Skip to main content

Full text of "Twenty Sixth Massachusetts Fire"

See other formats


1 ik." 7 - 



I 



PUBLIC DOCUMENT. No. 9. 



TWENTY-SIXTH ANNUAL EEPORT 



OF THE 



INSURANCE COMMISSIONER 






v,» 






JANUARY 1, 1881. 



PART I. 
FIRE AND MARINE INSURANCE. 



BOSTON: 
$JUntJ, ^fcerg, Sc C0., printers to tfje (Eommanfoealtlj, 

117 Franklin Street. 
1881. 



Digitized by the Internet Archive 
in 2013 



http://archive.org/details/twentysixthmassaOOmass 



3t? m 

TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Introductory v 

Companies authorized in Massachusetts . vii 

Compaies admitted . viii 

Companies withdrawn ix 

Increase of Insurance Capital, Etc ix 

Foreign Companies and their Statements x 

Underwriting in 1880 xi-xv 

Massachusetts Mutual Fire Insurance Companies .... xii 

Comparative Table A . xii 

Massachusetts Mutual Marine and Fire-Marine Insurance Com- 
panies . . . . . . xiii 

Comparative Table B xiii 

Massachusetts Joint-Stock Insurance Companies .... xiv 
Comparative Table C xiv 

Insurance Companies of other States xiv 

Comparative Table D xiv 

United States Branches of Foreign Insurance Companies . . xv 
Comparative Table E . . . . xv 

Massachusetts Business xv 

Comparative Table F xv 

Comparative ratios xv 

Fire and Marine Underwriting, its Volume and Cost. — A Com- 
parative Exhibit . . . . xvi-xxiii 

First Quinquennial Period. — 1865 to 1869 xvii 

Comparative Ratios . . . . ... . . . . . xviii 

Second Quinquennial Period. — 1874 to 1878 xix 

Comparative Ratios . xx 

Business of 1879-80 xxi 

Comparative Ratios xxii 

Business of 1880 only, with Comparative Ratios . . . . . xxii 

Expenses to Premium Receipts xxiii 

Massachusetts Business, review of xxv 

Massachusetts Fire Record for 1880 xxvii 

Fire Insurance Reserves ......... xxviii 

Insurance Legislation. — "Massachusetts Standard Policy," 

Etc xxix-xxxiv 

Insurance Receiverships xxxiv 

Statistical Tabulations xxxvii 



iv TABLE OF CONTENTS. 

PAGE 

Massachusetts Mutual Fire Insurance Companies . . xxxviii-xli 
Table I. — Risks, assets, liabilities, and surplus . . . xxxviii 
Table II. — Gross cash income and expenditures, premiums, losses, 
and expenses xl 

Massachusetts Mutual Marine and Fire-Marine Insurance Com- 
panies xlii 

Table III. — Guarantee fund, scrip, risks, assets, liabilities, and sur- 
plus .*.... xlii 

Table IV. — Gross cash income and expenditures, premiums, losses, 
and expenses xlii 

Massachusetts Joint-Stock Insurance Companies . . . xliii-xlv 

Table V. — Cash capital, risks, assets, liabilities, and surplus . . xliii 

Table VI. — Risks written, premiums received, and losses paid . xliv 

Table VII. — Gross cash income and expenditures, expenses, and 

dividends . . . . xlv 

Insurance Companies of Other States xlvi-lviii 

Table VIII. — Cash capital, risks, assets, liabilities, and surplus . xlvi 
Table IX. — Risks written, premiums received, and losses paid . 1 

Table X. — Gross cash income and expenditures, expenses, and 

dividends liv 

Table XI. — United States Branches . lviii 

Massachusetts Business in Detail. — Table XII lix-lxiii 

Statistics of Fires in Massachusetts lxiv-lxxvi 

Table A. — Property, Fires, Insurance, Loss, Etc lxiv 

Table B. — Fires classified by Months . lxviii 

Table C — Cause of Fires . ........ . Ixxii 

Table D. — Summary lxxvi 

Table E. — Receipts and Expenditures of the Insurance Depart- 
ment » Ixxvii 

DETAILED STATEMENTS. 

Massachusetts Mutual Fire Companies . . . . . . . . i 

Massachusetts Mutual Fire Companies with Guarantee Capital . . 67 

Massachusetts Mutual Marine and Fire-Marine Companies ... 75 

Massachusetts Joint-Stock Fire, Marine, and Fire-Marine Companies . 87 

Fire, Marine, and Fire-Marine Insurance Companies of other States . 137 

United States Branches of Foreign Companies . . . . , . 359 

Foreign Fire Companies 392 

List of Agents of Insurance Companies of Other States and Foreign 

Countries, with Amount of Business done, and Tax paid by each . 395 

Appendix . 505 



(Eotnmonwcaitl) of ittassadjusctis. 



Insurance Department, 

Boston, Jan. 1, 1881, 

To the Honorable the Senate and House of Representatives. 

Part I. of the Twenty-sixth Annual Report of this De- 
partment, submitted herewith, exhibits the financial condi- 
tion and business of all Companies authorized to write fire 
and marine risks in Massachusetts Dec. 31, 1880. Their 
statements, both in summarized and detailed form, for the 
year ending at that date, are supplemented with such other 
information relating to their business as may possess interest 
and value. 

Very respectfully, etc., 

JULIUS L. CLARKE, 

Insurance Commissioner. 



TWENTY- SIXTH ANNUAL REPORT 



INSURANCE COMMISSIONER. 



PART I. 
FIRE AND MARINE INSURANCE. 



Companies authorized in Massachusetts. 

The business of Fire and Marine Insurance transacted by 
Companies authorized in this Commonwealth, during the year 
1880, is exhibited in the following pages with as much of 
detail as is necessary to a complete and intelligent under- 
standing of its growing importance and financial relations. 
Of the magnitude of these interests, the accompairying tab- 
ulated and detailed statements present significant evidence. 

Two hundred and fourteen Companies in all were in the 
field during the year, seventy-seven of them Massachusetts 
organizations, and the remainder from other States and coun- 
tries. Of the two hundred and seven authorized to write 
fire and marine risks in the State at the close of the last 
Report, only one hundred and eighty-nine now remain, so 
that, with the nine admitted during the interim, the present 
number is one hundred and ninety-eight; viz., seventy-one 
Home Companies, and one hundred and twenty-seven organ- 
ized elsewhere. 

Of the Home Companies now transacting business, fifty- 
two are Mutuals (five of them with guarantee capital), and 
nineteen are Stock Companies, counting the Traders' and 
Mechanics' only as a Mutual, the business of its stock de- 
partment having been discontinued. 

Of the remaining Companies, one hundred are from other 
States, and twenty-seven from other countries, the latter 
represented here through their American branches. 



Vlll 



REPORT OF THE 



The changes which have taken place since the issue of the 
last Report are as follows : — 



Companies Admitted. 



NAME OF COMPANY. 


Location., 


Date. 


Union ...... 


San Francisco, Cal. . 


Oct. 


26, 


1880. 


Scottish Union and National 


Edinburgh, Scot. 


Dec. 


8, 


1880. 


Lion Fire . . . . 


London, Eng. . 


Dec. 


8, 


1880. 


British and Foreign Marine 


Liverpool, Eng. 


Dec. 


28, 


1880. 


People's Fire . . 


New York, N.Y. . 


Jan. 


18, 


1881. 


Spinners' Mutual Fire 


Boston 


Feb. 


24, 


1881. 


Fire Insurance Association . 


London, Eng. . 


Mar. 


11, 


1881. 


Lumbermen's . 


Philadelphia, Penn. . 


Mar. 


16, 


1881. 


The Fire Insurance Company of 
the County of Philadelphia . 


Philadelphia, Penn. . 


Mar. 


19, 


1881. 


Union Marine .... 


Liverpool, Eng. 


Mar. 


28, 


1881, 



Of the five Foreign Companies admitted as above, two 
have made the required deposits with the Treasurer and Re- 
ceiver-General of Massachusetts, — - the Fire Insurance Asso- 
ciation of London, $300,000 ; and the Union Marine, of 
Liverpool, $100,000, its remaining $200,000 having been 
previously deposited with the New York Insurance Depart- 
ment. 

Among other Companies admitted is the Union, of San 
Francisco, formerly well known in this and other Eastern 
States, from which it voluntarily withdrew after the great 
Chicago fire. Another Company is the Spinners' Mutual, 
recently organized in Boston under the general law of the 
State. The People's Fire, of New York, and the Lumber- 
men's, of Philadelphia, and the Fire Insurance Company of 
the County of Philadelphia, are new competitors in the Bay 
State. 

The Equitable Marine, of Provincetown, Mass., reported 
last year as closing up, has made up its capital of $50,000, 
and decided to continue business, and has arranged to re-in- 
sure the marine risks of the Atlantic Fire and Marine, of the 
same town, which retires. 



INSURANCE COMMISSIONER, 

Companies Withdrawn. 



XX 



NAME OF COMPANY. 


Location. 


Date. 


Scottish Commercial . 


Glasgow, Scot. 


Apri] 


20, 1880. 


Alliance 




Boston 


May 


28, 1880. 


Globe Fire . 


. 




New York, N.Y. . 


June 


1, 1880. 


Manufacturers' 


. 




Newark, N.J. . 


July 


17, 1880. 


Faneuil Hall 


. 




Boston 


Aug. 


16, 1880. 


Caisse Generale 


. 




Paris, France . 


Oct. 


8, 1880. 


Fairfield Fire 


. 




South Nor walk, Conn. 


Oct. 


22, 1880. 


German Fire 


. 




Baltimore, Md. 


Dec. 


14, 1880. 


Mercantile . 


. 




Cleveland, 0. . 


Dec. 


15, 1880. 


Pacific Mutual 


. 




New York, N.Y. . 


Dec. 


20, 1880. 


St. Nicholas 


. 




New York, N.Y. . 


Dec. 


21, 1880. 


Standard 


> 




Trenton, N.J. . 


Dec. 


27, 1880. 


Mechanics' Mutual 




Boston 


Dec. 


31, 1880. 


Toledo Fire and Marine 




Toledo, 0. . 


Jan. 


17, 1881. 


Columbia . . 




New York, N.Y. . 


Feb. 


1, 1881. 


People's Fire 




Trenton, N.J. . 


Feb. 


3, 1881. 


New York and Boston 




New York, N.Y. . 


Feb. 


19, 1881. 


Revere 




Boston 


Mar. 


11, 1881. 



All the Home Companies retiring re-insured their outstand- 
ing risks, — the Alliance, in the Re-assurances Ge*ncrales ; the 
Faneuil Hall, in the Liverpool and London and Globe, and 
subsequently its additional risks in the Underwriters' Asso- 
ciation of New York ; the Mechanics', in the Scottish Union ; 
and the Revere, in the Fire Association of London. All 
these Home Companies re-insuring are voluntarily closing 
their business. Of the other retiring Companies, the Scottish 
Commercial re-insured in the Lancashire, and the Caisse G6- 
ne'rale, in the Imperial and Northern. 

Increase of Insurance Capital, Etc. 

A noticeable movement for enlarged capital and other 
financial resources, in keeping with the growth and demands 
of the business, has appeared during the past year, and sev- 
eral Companies writing risks in the State have made important 
additions to their previous amounts. The Boston Marine has 

b 



x REPORT OF THE 

increased its paid-up capital from $500,000 to $1,000,000 ; the 
Shoe and Leather, of Boston, from $300,000 to $400,000; the 
Springfield Fire and Marine, from $750,000* to $1,000,000; 
the Firemen's Fund, of San Francisco, from $300,000 to 
$750,000 ; and the Star Fire, of New York, from $300,000 to 
$500,000. Of others contemplating, or haying consummated 
similar action, of which there are some, no official informa- 
tion has yet been received. 

Of the Foreign Companies, the London and Lancashire 
has made a further increase of its home capital, both sub- 
scribed and paid up, the former now amounting to £1,847,- 
500, and the latter to £184,750, though not affecting the 
deposits and assets held for the security of its American 
policy-holders at large. The Lancashire, of Manchester, 
Eng., which re-insured the risks of the Scottish Commercial, 
received, with other considerations therefor, the latter's Amer- 
ican assets, among them its deposit of $300,000 upon which 
the Company was admitted to Massachusetts, which deposit 
has been placed to the credit of the former. 

Foreign Companies and their Statements. 

In 1865, which year introduces the first quinquennial pe- 
riod embraced in the statistical review which follows, only 
two European Companies were represented in Massachusetts. 
In the last year of the same period, 1869, there were five ; 
and there are now twenty-seven, with an immediate pro- 
spective increase. A marked feature of their business in this 
country is their lower premium rate and expense ratio, as 
compared with the average of American Companies. But this 
fact is by no means conclusive evidence of their ability to 
secure the better class of risks ; nor does it seem a valid rea- 
son why American Companies, certainly the stronger, should 
not maintain a successful competition. 

Since the disastrous experiences of 1871, 1872, and 1873, in 
which the record of the Foreign Companies then represented 
on this side of the water was so honorable, their influx has 
brought, with few exceptions, no greater financial strength 
or prestige than is offered by American Companies, in many 
instances even below the latter. With impartial privileges 
accorded to both, there seems no good reason why the former 
should be able to drive the latter from the field. It is cer- 



INSURANCE COMMISSIONER. xi 

tainly fair to assume that exemption from unequal burdens 
will enable both American and Foreign Companies and cap- 
ital to compete with equal advantages. That the business 
of the Foreign Companies is ably and economically managed 
is notably manifest. But, aside from this, it is claimed, and 
was urged before the Insurance Committee of the present 
Legislature, that they are comparatively exempt from taxa- 
tion, and are granted special privileges for which no equiva- 
lent is required, all of which is held to be a discrimination 
against their American rivals. 

It has been the custom of this Department to publish in 
its Reports a summary of the home statements of Foreign 
Companies, in the same form and detail in which those of all 
American Companies are made up. Under the legislation of 
1878, chapter 130, such publication is neither called for, nor 
of any particular interest or value. Section two of the act 
named provides, in effect, that, for the purposes of the insur- 
ance laws of this Commonwealth, the aggregate value of the 
money securities and other admitted assets of such Foreign 
Companies, legally and absolutely deposited or held in this 
country for the security of all their policy-holders in the 
several States, shall constitute the financial basis upon which 
they may be permitted to do business in conformity with said 
laws. In accordance with this legislation the annual state- 
ments of their American Branches are given in their usual 
detail, as heretofore. Following these will be found aggre- 
gated tabulations of their home statements, showing capital, 
assets, liabilities, surplus, income, and expenditures. 

Under writing in 1880. 

This simple caption opens a broad subject for considera- 
tion. In subsequent exhibits will be found some of the more 
salient and suggestive points which its analyses present. Of 
their importance and value experienced underwriters will 
judge. 

With fire losses alone, — averaging in the whole country 
nearly or quite one hundred millions annually, of which more 
than forty per cent is claimed by insurers as the result of in- 
cendiarism, and a large percentage of the remainder as caused 
by the direct or indirect carelessness of property owners, — to 
say nothing of the failure of Companies themselves to exer- 



Xll 



REPORT OF THE 



cise proper care and supervision over their own risks, it be- 
comes at once apparent that the interests involved are of 
great magnitude and importance. 

The business of the year is so fully presented in the state- 
ments which follow, that only a passing summary is necessary 
here. 

As compared with the previous year, the Companies repre- 
sented by annual statements in this Report show admitted 
assets aggregating $162,779,014, with liabilities amounting to 
154,008,128, leaving a net surplus of $108,770,886, each item 
a small excess over 1879. 

Their risks written amount to $8,704,818,307, nearly a 
thousand and fifty millions over 1879; premium receipts, 
$67,897,557, an increase of more than seven millions over 
1879, and more than six millions over 1878 ; losses paid, 
$38,961,349, an excess of only $530,330 over 1879, in which 
year there was an increase of nearly six millions over 1878 ; 
working expenses, $21,253,028, an increase of $1,586,099 over 
the previous year. The premium receipts for 1880 show a 
surplus of $7,683,180 over expenses and losses paid, against 
a surplus of only $2,458,875 on the same account in 1879. 

The Massachusetts business aggregates, in risks written, 
$870,137,027; premium receipts, $8,825,073; and losses paid, 
$5,245,784. The risks written show nearly one hundred and 
thirty millions, and premium receipts nearly one million, in 
excess of the previous year. 

For purposes of reference and comparison, in this connec- 
tion, the following Tables are annexed in form as hereto- 
fore : — 



Comparative Table A. 



Massachusetts Mutual Fire Insurance 
Companies. 





1879.* 


1880.t 


Increase or 
Decrease in 1880. 


Assets .... 
Liabilities . . . 
Surplus . . ■ . 
Income .... 


$6,026,481 
2,606,704 

$3,415,149 
2,130,386 


16,104,823 
2,790,250 

$3,308,491 
2,278,950 


+ $78,342 
+ 183,546 
-111,286 
+ 148,564 


* Fifty-one Companies. 


t Forty-seven Coi 


npanies. \ S 


ee Table I. 



INSURANCE COMMISSIONER. 



xm 



Comparative Table A- 


— Concluded. 






1879.* 


1880.1 


Increase or 
Decrease in 1880. 


Expenditures . 


$1,986,612 


$2,148,687 


+ $162,075 


Risks written . 


170,882,026 


190,642,359 


+ 19,760,333 


Net premiums received 


1,807,686 


1,955,077 


+ 147,391 


Risks outstanding . 


391,585,041 


400,700,033 


+9,114,992 


Losses paid 


471,133 


586,180 


+ 115,047 


Losses incurred 


421,441 


671,602 


+ 250,161 


Assessments collected 


18,748 


3,971 


-14,777 


Profits returned 


1,108,650 


1,162,221 


+ 53,571 


Expenses .... 


382,012 


376,694 


-5,318 



* Fifty-one Companies. 



f Forty-seven Companies. 



Comparative Table B. — Massachusetts Mutual Marine and Fire- 
Marine Insurance Companies. 





1879.* 


1880.t 


Increase or 
Decrease in 1880. 


Cash guarantee fund 


$765,200 


$766,800 


+ $1,600 


Subscription notes . 


357,000 


209,600 


-147,400 


Assets • • . - . 


3,120,188 


2,590,488 


-529,700 


Liabilities 


696,000 


555,208 


-140,792 


Surplus .... 


286,797 


388,978 


+ 102,181 


Income .... 


840,868 


828,726 


-12,142 


Expenditures . 


1,019,925 


995,501 


-24,424 


Risks written . 


53,441,592 


52,790,449 


-645,143 


Net premiums received 


736,722 


730,986 


-5,736 


Risks outstanding . 


40,715,029 


32,988,818 


-7,726,181 


Losses paid 


554,432 


497,267 


-57,165 


Losses incurred 


617,643 


500,183 


-117,460 


Expenses .... 


150,232 


142,318 


-7,914 


Scrip dividends declared . 


141,849 


84,460 


-57,389 


Scrip redeemed 


211,240 


217,771 


+ G,531 


Scrip outstanding . 


1,015,191 


879,501 


-135,690 


* Five Companies 


• 


t Four Companies 


. 



XIV 



REPORT OF THE 



Comparative Table C. 



- Massachusetts Joint-Stock Insurance 
Companies. , 





1879.* 


1880.t 


Increase or 
Decrease in 1880. 


Cash capital . 


17,300,000 


$6,450,000 


-1850,000 


Assets .... 


13,490,987 


13,009,661 


-481,326 


Liabilities 


3,454,537 


3,433,569 


-20,968 


Surplus .... 


10,036,450 


9,576,092 


-460,358 


Income .... 


4,439,666 


5,112,201 


+ 672,535 


Expenditures . 


4,638,538 


4,676,419 


+ 37,881 


Risks written . . 


430,363,545 


504,457,325 


+74,093,780 


Net premiums received 


3,848,110 


4,548,515 


+ 700,405 


Risks outstanding . 


382,759,364 


404,766,430 


+ 22,007,066 


Losses paid . . 


2,812,750 


2,833,994 


+ 21,244 


Losses incurred 


3,020,203 


2,865,768 


-154,435 


Expenses . . . 


1,302,879 


1,304,126 


+ 1,247 


Cash dividends declared . 


523,750 


528,000 


+ 4,250 



* Twenty -five Companies. 



| Twenty-one Companies. 



Comparative Table D . — Fire and Marine Insurance Companies 

of other States. 





1879.* 


1880.t 


Increase or 
Decrease in 1880. 


Cash capital 


$40,994,090 


$40,894,100 


-$99,990 


Assets .... 


114,243,726 


118,511,302 


+ 4,267,576 


Liabilities . . 


34,228,619 


36,081,980 


+ 1,853,361 


Income .... 


46,300,441 


50,151,664 


+ 3,851,223 


Expenditures . 


46,831,167 


47,251,890 


+ 420,723 


Fire risks written 


3,840,174,481 


4,151,117,354 


+ 310,942,873 


Net premiums received . 


30,165,419 


33,581,852 


+ 3,416,433 


Marine risks written 


1,283,374,247 


1,528,716,310 


+ 245,342,063 


Net premiums received . 


10,317,248 


10,921,675 


+ 604,427 


Fire losses paid 


17,521,776 


18,132,204 


+ 610,428 


Marine or inland losses 
paid .... 


7,513,564 


7,770,364 


+ 256,800 


Dividends paid 


5,078,714 


5,067,847 


-10,867 


Expenses .... 


13,467,618 


14,375,088 


+ 907,470 



* One hundred and six Companies. 



•f Ninety-eight Companies. 



INSURANCE COMMISSIONER. 



xv 



Comparative Table E. — United States Branches of Foreign 

Companies. 



1879.* 



1880.* 



Increase or 
Decrease in 1880. 



Assets in United States . 
Liabilities in United States 
Income . 
Expenditures . 
Risks written . 
Net premiums received 
Losses paid 
Expenses . 



820,730,902 

9,750,974 

14,559,110 

12,921,592 

1,879,356,590 

13,671,638 

8,557,404 

4,364,188 



122,562,740 

11,147,121 

17,096,010 

14,195,142 

•2,279,734,584 

16,159,452 

9,141,340 

5,054,802 



+ $1,831,838 

+ 1,396,147 

+ 2,536,900 

+ 1,273,550 

+ 400,377,994 

+ 2,487,814 

+ 583,936 

+ 690,614 



* Twenty-four Companies. 

Comparative Table F. — Massachusetts Business.* 





1879. 


1880. 


Increase or 
Decrease in 1880. 


Fire risks written . 


$520,814,369 


$609,132,542 


+ $88,318,173 


Fire premiums received . 


5,026,482 


5,479,752 


+ 453,270 


Fire losses paid 


1,994,412 


3,422,143 


+ 1,427,731 


Fire losses incurred . 


2,500,451 


3,055,273 


+ 554,822 


Marine risks written 


219,486,579 


261,004,485 


+ 41,517,906 


Marine premiums received, 


2,885,404 


3,345,321 


+ 459,917 


Marine losses paid . 


2,011,473 


1,823,641 


-187,832 


Marine losses incurred 


1,982,864 


1,801,722 


-181,142 



* For details of this business, see Table XII. 

Comparative Ratios of Table F. 



1879. 



1880. 



Increase or 
Decrease in 1880. 



Fire premiums received to risks written 
(premium rate) 

Fire losses incurred to risks written 

Fire losses incurred to premiums re 
ceived 

Marine premiums received to risks 
written (premium rate) . 

Marine losses iucurred to risks written 

Marine losses incurred to premiums re 
ceived 



.96 

.48 

49.70 

1.31 
.90 

68.70 



.90 
.50 

55.75 

1.28 
.69 

53.86 



-6.3 
+ 4.2 

+ 12.2 

-2.3 
-23.3 

-21.6 



xvi REPORT OF THE 

Fire and Marine Underwriting, its Volume and 
Cost. — A Comparative Exhibit. 

The moral and physical hazards of underwriting present 
a wide and important field for investigation. But, while the 
attention of intelligent and experienced underwriters is being 
constantly occupied in its exploration, another aspect of its 
profit and loss account calls for special scrutiny and consider- 
ation. 

The unusual number of Companies retired and contem- 
plating retirement from the insurance world suggests, there- 
fore, a pertinent subject for inquiry. Various reasons are 
assigned for the wholesale re-insurance of outstanding risks, 
the closing of Company doors, and the withdrawal of busi- 
ness from some fields to others, which have become so 
frequent. Chief among the reasons named are the large and 
increasing number of competitors, their reckless rivalry and 
its inevitable demoralization and inadequacy of premium 
rates, and the consequent and continued increase of working 
expenditure, the latter largely augmented in numerous cases 
by agency and brokerage commissions incident to the greedy 
struggle for. business. When it is considered that underwrit- 
ing has, in later years, become more and more subject to these 
exceptional conditions and rivalries, the important and vital 
issues involved will be intelligently appreciated. 

As intimately bearing upon this subject, and having inter- 
est and importance in its connection, we have taken pains to 
collate the fire and marine experiences of Companies report- 
ing to this Department, selecting for the purpose, and as 
fairest for illustration, three periods removed from the excep- 
tional and disastrous results in Chicago and Boston in 1871, 
1872, and 1873. The first includes the five years ending with 
1869 ; the second, the five years ending with 1878 ; and the 
last, the two years of 1879 and 1880. The results evolved are 
suggestive as indicating the status into which, under present 
policy and practice, the business seems to be gradually drift- 
ing. 

The experiences referred to are presented as briefly as pos- 
sible in the following compilations : — 



INSURANCE COMMISSIONER. 



xvn 



cc 


o 


IO 




CO 




o 




>—l 


tH 


if. 


oo 


IO 




Oi 




CD 




CO 


CM 


a 


Oi 


00^ 




Oi 




CM 




IO 


CD 


o> 




















» 


O 


o 




CO 




Oi 




IO 


O 




i— ( 


b- 


i 


tH 


j 


Ci 


1 


1^ 


rH 


t* 


co 




°t 




lO 




°i. 


CO. 


bo 




۩= 




-tT 




<of 




rH 


rH 


2 


۩= 






۩= 




CD 




rH 


00 


12 












۩= 




=۩= 




£ 




^s 




-^ 




^^ 










CO 


O CM 


CM 


t+4 iO 


Oi 


CO CD 


CM 


IO 


rH 




Ci 


b- O 


b> 


«* tH 


CO 


t- r-l 


Oi 


CO 


00 


■3 


T— 1 


CO CO 


r-H 


Oi b- 


CD 


rfl tO 


Oi 


r—* 


r—l 






















'•3 


r- 1 


>o t+4 


o 


CO lO 


^ 


o —• 


»— i 


-H 


CM 


pH 


1—1 


CM CO 


CD 


Ci t^ 


t>- 


00 O 


00 


CD 


Oi 


jr 


o 


CM b- 


Oi 


1^ Tf 


CM 


Ci CD 


iO 


Ttl 


CM ! 






^ co~ 
















cc 


CM 


CD 


CD Oi 


CD 


CO O 


Oi 


t^ 


CM 


O 


€^ 




۩= 


€€* 


i— I 


CO CO 


»— < 


CM 


t^- 


1-5 










<3©= 


Ǥ>= 




۩= 


rH 


tn 


CO 


00 CD 


tH 


b- CO 


O 


o >o 


iO 


00 


O 


.2* 


IO 


th co 


co 


o b- 


CO 


CM CD 


CO 


CD 


b- 


'53 


CO 


O CO 


00 


co o 


CO 


r— I Tfl 


iO 


CD 


00 


ZJ 




















<v 


00 


lO o 


lO 


CD CD 


CM 


00 lO 


CO 


Oi 


Oi 


« 


CM 


Ci CD 


IO 


CD tH 


i—t 


O CD 


b. 


CO 


o 


g 


TfH 


CO CO 


CM 


th CD 


r-H 


Ttl CD 


o 


CM 


»-H 






©^i>r 
















^ 


CD 


CO 


CM H 


TjT 


Oi CO 


CO 


th 


CD 


a 


€£= 




۩= 


rr< i— 1 


CM 


CD Ttl 


1—1 


Tji 


Oi 








۩= 


۩= 


i— l 


CM 


<§©= 


CM 


Ph 












<§©= 


۩= 






4J 


rH 


-«# rH 


00 


CO CM 


O 


O b- 


b- 


o 


Oi 


lO 


CO CM 


IO 


CO rH 


iO 


CO CD 


Oi 


CO 


CO 




"r* 


lO Ci 


T+1 


Oi t* 


CO 


00 lO 


CO 


CD 


CM 






















s 


tH 


CM — h 


t+H 


CO >(0 


Oi 


r-l r^ 


Ci 


Oi 


t^ 


1^ 


IO tH 


Oi 


b- O 


t- 


CM CM 


Ttl 


CO 


CO 




CO 


r-t th 


»o 


CD t44 


o 


IO T+H 


Oi 


b- 


o 






















3 


i— ( 


lO Oi 


Ttl 


CO O 


Tji 


O0 Ci 


b- 


H 


o 


o 


rH 


CD lO 


CM 


CO CO 


<-H 


O Oi 


O 


b- 


CD 


g 


IO 


S^CM 


CO 


CO U0 


Oi 


r- 1 Tfl 


CD^ 


»o^ 


°i. 


< 


&2f 




€# 


»-H 


!-H 


Oi CO 


of 


co" 


ocf 










۩= 


۩= 




CM 


۩ 


CM 




• 


• • 




• • 




• • 




• 






. 


. . 


1 


.- . 


1 


# m 


r 


# 


1 


to 








































.2 




















s 


• 


* 2 




• CD 

a 




' CD 

a 




• 






o> 


CD ;-. 


1 


CD *fH 


1 


CD "2 


i 


CD 


1 






f-j o3 




r-i ce 




Sh c3 










• ih 
rH 


pH^ 




y* -h 

Pi ,-=j 




faS 




• |H 

Ph 






• 


*H 


• • 


-V- 


• 


-V- 


• 


• 


• 






^ 


















* 


pH 

S 


















. 


• 


• 


• 


. 


• 




m 






.2 












00 

CD 

• lH 






CD 


















DO 


Fh 






r±4 




oo 




-»J 




w 




c3 


• 


o 


# 


CD 


• 


d 


• 


>H 

Pi 

O 


l-H 

•4-2 

oo 


2 
co 


• 


o 

-us 

CO 

1 

■+3 

.£ 
'o 


• 


C/2 
f-i 

CD 

rd 

•4-= 

o 


• 
• 



o 
O 

H 

CD 

•4-3 
O 


00 

CD 




■+-> 


45 




+3 




«+H 




^H 


-t-3 




•+= 


-43 




-t-3 




O 




o 


o3 




CD 


CD 




CD 










bJD 




9 

rd 


oo 


co 


co 


OT 


CO 


00 


co 


CD 
U 




3 


Is 




13 

•4-3 


CD 
• i— i 


13 


CD 

• rH 
P 

o3 




O ' 


o 


o 


O 


O 


03 


o 


b0 




c3 

00 


o3 

CO 


H 


00 


H 


H 


<1 




CO 

o3 


GO 




co 
c3 




g 




B 






2 


a 




S 




o 
O 




o 

p 





XV111 



REPORT OF THE 



ts 



K. 








fc. 


■4J 


1 


s 


1 


^u 




5^ 


o> 


<i> 


O 


H 


to 

8 


^ 


^ 


5° 








^ 


•s> 




■Ki 




CI 




^ 




8 




^ 




<s> 




« 




O 




o 





>> 




o 








s 








0> 


CO rtH CD CO iO 


N "1 CO O CO 


ft 


OHrtOO 


o 


^ CM CM CI i— i 


co 


+ + + + + 






a 








3 




02 




a 




s 








a 




aj 




£ 3 


UO 00 O H N 




OJCOHCOO 


j2 4j 
,r, 9, 


rlrHTjicON 


C6 P5 


CM CM CM CM CM 






«> 




» 




X 




w 




a 




s 








a r A 




£» CO 


OS 00 TfH CO CO 


Oh & 


CNhOOO 


O | 


i-5 t~ -* cm cm 


03 M 


CO >o id lO CD 


a> 




CO 




tc 




O 




hi 




OJ 




■M 




c3 




P3 


O t-H O OS rH 


g 


t— i CO OS O0 CM 


3 


i— 1 i— 1 


S 




a> 




t-l 




0H 






cc 




33 




. «i-t • • . 








03 




P* 




. a . . . 




o 




O 




CD 




• S3 • • • 




• r-l 








03 




.a . . . 




si « 


GO 


•gfe-S . 


M 




O 


o 


f-i 03 ri4 CO -+3 






^^ -£ 03 = 




i— i i — if/) -P o 
2 Si CCO 






2 ?! -^ . , 




-t-3 -1-3 Q ?H S-j 




13 s .m CD ^ 




MM OrQrC 






(O tB CD . 




+3 +3 -«J =+-1 <4-l 




-M -4-3 -t-i O O 




CD CD CD „ „ 




to oq co oo 00 




3 3 ^ .2 .2 




-C^rC C C 




w ° ^ 03 c3 




03 05 03 n,n, 
oo co go rr tT 1 
oo co co g H 

^^^ § o 





O >0 CM 


at? 




O0C5CM 


t— ( 




t-1 co oi 


tH 




+++ 


T— 1 ' 
4" 




MOSN 


CO 




OON 


CO 




t>ojo 


1^ 




i— i 


CM 




NCDH 


CD 




CD CO O 


rH 




id i—i © 


CO 




00 CO t^ 


iO 


<sS 






CJ 








CO Oi »o 


CO 


O i—i CM 


Ol 


CO CM f—l 


1—1 


B- 






h 






Kj 






<« 






s 






•r»» 






$-. 






e 


a « • 


# 


S 






^ 


arine Companies 


• 




a . . 


# 




i 






•- S 






Pn. 2 . 






rf * 


• 




'S 3 






S P-. 






2 a • 

2 o 
.So 


• 




S M oo 






«s-( o <x> 






^_> 03 


oo 




a; 




^^c? 


03 




C3 -^ 


hio 




3S.S <D 






*-< O J3 


be 
ho 




^^"S 




00 CO . 


03 




4S+3«H 






-t^ +J o 


D 




^ ■ ® ^ 


bJO 




oo co co 


03 




3 r- CD 
^ i • r_t 

r^ P3 S3 


o 




sac 
sac 
ipa 


K* 




<j 




Mas 

Mas 
Con; 









INSURANCE COMMISSIONER. 



xix 



TO 


CM 


© 




i—i 




LO 




CO 


CO 


rr. 


»0 


00 




CO 




"<*l 




CO 


CO 


s 


CO 


rH 


! 


CM 


! 


T* 


1 


GO 


r~ 






















M4 

M 


GO 


cm 




rH 




1^ 




CO 


CO 


H 


b- 


co 




b- 




CO 




rti 


CO 


CD 


GO 




CO 




o_ 




CO 


T—i 


be 




۩= 
















s 


i-h 




LO 




cm" 




CO 


l^ 


2 


۩= 






۩^ 


. 


r- 


■ 


i— ( 


CO 


o 






8 




I 


€fe= 


I 


€^ 




£ 




~^ 




~-^-i 




^^ 










CO 


CM iO 


b- 


O —i 


i-H 


1^- O 


r^ 


CO 


t^ 




LO 


CO iO 


rfi 


1-1 1-1 


CM 


CM —I 


CO 


LO 


1-H 


s 


■^ 


r-^co_ 


i— ( 


CO ©_ 


CO 


LO t>- 


°L 


°i 


co^ 


"3 

Pi 


co" 


co"©" 


r*T 


io co" 


"* 


co co" 


io" 


cm" 


o" 


CO 


lO o 


O 


CO CO 


GO 


CM O 


CO 


rJH 


o 


a> 


-"^ 


CM CO 


CO 


CM"^ 


-sf 


CO CO 


CM 


tH 


CM 


co 




^co" 






- 










CO 

O 

^5 


CO 


CO 


CO .o" 


W 


o co 


b- 


LO 


i-H 


۩= 




۩= 


§©= 


-H 


CO CO 


CM 


CM 


t^ 












۩= 


<!©: 


i-H 


«©= 


r-i 


CO 


O 


O CO 


QO 


CO CM 


QO 


CO GO 


i-H 


«* 


i—l 


|& 


CO 


O CO 


CO 


co <* 


O 


CO o 


tH 


OT> 


CO 


'S 


i>- 


CO o 


CO 


CO I>- 


i— ( 


iO CO 


^ 


CO 


CO 




Co" 


CO ~H 


o 


O CO 


r^ 


-i CO 


CO 


CO 


CO 


« 


© 


CO CO 


CM 


"# CO 


CO 


O CM 


CM 


o 


CO 


s 


T« 


CO G>1 


CO 


!>. >0 


CO 


O T*- 


"^ 


o 


o 




^io" 
















s 


CO 


IO 


CO CO 


o 


1-1 1^ 


QO 


LO 


CO 


a 


©& 




€€>= 


1— ( 


CM 


00 LO 


CO 


LO 


CM 








۩= 


f£ 


1—1 


CM 


۩= 


CO 














۩= 


۩= 






c 


CD 


CO CM 


i-H 


O — I 


i— ( 


CO CO 


LO 


CM 


LO 


4) 


CM 


.-h <"M 


tH 


co >o 


lO 


CO o 


b- 


CO 


CO 


5 


GO^ 


CO CM 


©^ 


CO co^ 


>o^ 


i— I GO 


°i 


t>^ 


1-< 


"C 
£ 


1— < 


i-Tco" 


co" 


co"lo" 


cT 


© co" 


co" 


co" 


o" 


b- 


OS CM 


i— < 


.-I o 


r-H 


i-H CO 


t^ 


CO 


CO 


••■3 


00 


CO b- 


b- 


Tfl O 


** 


CO CO 


LO 


CM 


GO 


fi 






















o 


l-l LO 


b- 


b- CO 


o 


1^ GO 


CO 


CM 


b- 


O 


lO 


CO CO 


CM 


CO h- 


CO 


i—( -rtl 


CO 


i— < 


1— 1 


s 


QO 


€^CM 


CO 


CO CO 


1>-^ 


OJ^LO^ 


t^ 


CO 


o 


< 


۩= 




<=& 


1— ( 


*-H 


co"io 


TjT 


CO 


TjT 










^©= 


۩= 


1-H 


CM 


۩= 


co 




• 


• • 




• • 




• • 




• 






. 


. . 


i 


. .' 


1 


. . 


! 


• 


1 


CO 




















fc^ 




















CO 




















£ 


• 


* © 

a 




• CD 

d 

• r-l 




* CD 

d 




• 






<D 


CD 'u 


I 


CD r-. 


1 


CD (H 


! 


CD 


1 






'-* d 




H a3 




- c3 




Sh 






• l-H 


£^ 




• l-H u_( 








s 






• 


s 


• 


s^v^ 


• 


S^v^ 


• 


• 


• 




• 


d 


















• 


C3 
CD 












co 

<D 




05 


CD 


r-l 

e3 




rid 


• 


CO 




43 






s 


£ 




o 
o 




CD 

■8 




P 
P 




< 

Ph 

* 


'a 

p 


i— i 
P 


• 


0Q 
i 

d 

• ■H 


• 


-t-3 

CO 


• 


o 


• 


O 


3 


3 






CD 




CD 




o 


>SJ 


id 




o 




rd 




rd 






cm 


en 


• 


•-5 
co 


• 


o 


• 


-4-3 

o 


03 
CD 

•+3 




-♦-» 


-ti 




+3 




O 




O 


CO 




CD 


CD 




CD 










WD 




CO 


03 


CO 


03 


CO 


03 


60 


co 


CD 




p 


P 

-d 


i— 1 


P 


i-H 


CD 


f— 1 

+3 


CD 

'd 


u 
bo 




o 


CJ 


O 


a 


o 


c3 


o 


bo 




C3 

CO 


03 

03 


H 


CO 


H 


H 


< 




CO 

c3 


O? 

c3 




CO 

c3 




S 




a 








2 




B 




O 




o 





XX 



REPORT OF THE 



•2 
o 



CO 

O 

•^ 

■Vi 

<3S 
S> 
•<s> 
to 

*> 
6 



ST 



s a 

* -a 






CO lO IO t^ OS 

rhOfNCOrH 

CM CO lO 00 CO 
Ttl CO CM t— I CM 

+ + + + "{- 



CO CD CO CM CO 
O GO OS T* ,1 

HCOOOHO 

CM CM CM CO CO 



OS OS CM Tfl lO 
tJH lO CO CM CM 

CO OS tO O CO 
CO CO tH lO ^ 



rl !>• OS OS CO 



o3 
Pn 

• S 

o 
O 

<x> 
pa 

c8 

•a 

S «« 

O <d 

O P 

s'S 



5* 



I 



o3 

a 

o 
O 

o 

o 



co 



CD 



id 

-u O 

coo 



_. <D 03 

O^PrP 
h-, -^> -M 

3 o o 

*H "4-1 
O O 



to 



o3 o3 

%% 

co co 
-t-=> ■+■= 

CD <D CD . 

CO CO CO «< 90 

CD <D 

•-* «i— 1 

p" p 

o3 o3 
Ph A 

s a 

o o 



p 


P 


P 


^rC 


O 


a 


O 


cS 


ci 


03 


to 


MJ 


CO 


r/> 


DO 


CO 


OS 


o3 


03 


S 


££ 



• 




»— t GO CO 


10 


r-TjHCO 


^ 


t>6w 


GO 


CM »— 1 CM 


~H 


+ + + 


+ 


T^tDlO 


CO 


^ GO OS 


10 


OS O CM 


OS 


rH iH 


CM 


lO CO Ol 


CM 


■^ CO CM 


O 


CO CO CO 


CM 


CO t— CO 


iO 


Tt* b- CO 


1^ 


CM t- O 


OS 


OJhh 




co 


• 


CD 




• r-l • • 




p 




o3 




Ph 




a . • 


. 










■ 


CD 




rl ' * 




W 




• rH 








o3 




S • - 


• 


<x> 




^H „ 




• r-J CO 




Pm .2 • 


. 


a • 


. 


.So 

ri pbsj CO 






s §1 


co 


45 03 


CD 

o3 


2 -^ , 


CD 


S4| 


b0 


to co . 


cd 


-1-= 42 =+-1 




■+= 43 


CD 


^ <*> «, 


bJO 


CO CO w 


o3 


3 p.s 


f- 


^rP P 


CD 


8 S * 

co r/5 rr 1 


^ 


Mas 
Mas; 

Com 







INSURANCE COMMISSIONER. 



xxi 







cd 


O 




»o 




CD 




o 


lr- 




o5 


o 


to 




o 




o 




OS 


iO 




«3 


t^ 


m 




© 




t^ 




OS 


OS 










[ 




| 




I 








<u 


GO 


CM 




t^ 




CM 




CO 


OS 




M 

60 


IO 


OS 




o 




rH 




y—t 


1—t 




1^ 


CI 




CD 




00^ 




rH_ 


OS. 




۩= 


۩= 




of 




t^ 




os" 


<s 












€i* 




CI 




۩= 


rH 




§ 






I 




! 


۩= 


s 








o 






















£ 




^A_ 




r^s 




io^ 












^ 


OS O 


OS 


CO i— » 


rH 


O CO 


CO 


tH 


OS 






rH 


i— i to 


OS 


O ^H 


rH 


CO CI 


o 


rH 


O 






CO 


r— i »o 


CO 


CO OS 


t- 


os os 


OS 


t^ 


rH 




3 






















t- 


t— -+1 


r— 1 


IO O 


CD 


co co 


t^ 


CO 


CM 






id 


CO i—l 


iO 


CI CM 


rH 


iO CO 


co 


OS 


OS 




o 


i— < os 


o 


i-- OS 


CD 


CD CJ 


os 


CD 


CO 








§©= 


















a> 


rH 


.— 1 


CO rH 


»0 


IO IO 


o 


t^ 


CD 




CO 


€& 




۩= 


۩= 


۩= 


CO i— 1 


IO 


rH 


t^ 




o 

>h 












۩= 


۩= 


۩= 








i— 1 


CD Ol 


CO 


CO Ol 


IO 


»— ( CO 


rH 


O 


CO 




o5 


rft 


rH CD 


O 


OS CO 


CI 


t^ CI 


OS 


OS 


iO 




a 


CD 


CO CO 


t^ 


CD OS 


CD 


CI OS 


H 


o 


CI 


























w 


CM 


CD O 


t^ 


»o o 


CD 


1^ CO 


CD 


rH 


«rH 




0) 


t~ 


O CD 


CD 


O OS 


os 


■rji CO 


CO 


CO 


IO 




K 


!>• 


CM <M 


tH 


rH OS 


CO 


t- CM 


OS 


CO 


rH 








m^ 


















| 


CO 


T— 1 


iO CM 


CO 


CO i—l 


rH 


os 


CO 




3 


<§©= 




۩= 


€£* 


۩= 


CD CI 


CO 


CI 


CI 




S 

CD 












m- 


ۤr 


۩= 


rH 


























lO 


CM OS 


t— I 


O O 


o 


»o t^ 


CI 


o 


CO 






CO 


O CO 


rH 


rH CD 


t^ 


CO iO 


OS 


o 


CO 




CO 


rH CO 


O 


CO © 


CO 


CO >o 


CO 


1—1 


t- 




5 


rfT 


OS CO 


CO 


CO CM 


cT 


y~> O 


CI 


IO 


o 




f 


CI 


»— 1 r-H 


CO 


rH 1^ 


Ol 


OS OS 


CO 


rH 


y—i 




lO. 


CD CD 


CM 


OS CO 


CO 


CI o 


CO 


rH 


rH 




(3 


rH 


Ol CO 


CD 


CI r^ 


rH 


r-< CI 


CO 


CD 


CI 




p3 


CO 


CO t>- 


O 


CD 1>- 


CO 


OS i— I 


o 


IO 


CD 




O 


CO 


©§■ 


r— 1 


CD CM 


OS 


os^co^ 


00^ 


t— i 


CO 




g 


۩= 




۩= 


۩= 


m 


isTof 


o~ 


rH~ 


co" 














m 


rH 


S©= 


rH 


















۩= 










• 


• • 




• • 




i • 




• 








. 


• • 


! 


• • 


1 


. . 


1 


. 


1 




CO 






















^ 






















«3 






















w 


CD 

fH 

• rH 

rH 


©•fl 

J- 03 

£3 


1 


* CO 

• i— I 

<D rH 


1 


• © 

CD 'u 

f- o3 


1 


CD 

• rH 


I 






' 


• 


• 


~^ 


• . 


r^-» 


•' 


• 


• 






• 






















* 


CD 












CO 
CD 








CD 


• rH 












•J" 1 






co 
W 

< 


SI 




44 




CO 


. 


-!2 








i — i 


• 


cj 
o 
H-3 
CO 

i 

-1-9 




CD 

+3 

o3 

•+3 

CO 


• 


a 
o 






f> 


-i-=> 


+3 




• rH 




>H 




tH 






o 


3 


H3 






CD 




CD 






o 


i— i 


r-i 




O 




rd 




rC 








co 

S-3 


»*5 

CO 

-t-3 


• 


co 

•+3 


• 


-1-3 
O 
«4-( 


• 


H-3 
O 

«4H 


co 

CD 

-+3 

o3 






•+-3 


+= 




H-J 




o 




O 






o> 


cu 




cu 










bJO 






CO 


CC 


CO 


CO 


CO 


co 


co 


CO 


© 






2 

rd 


=3 

r£ 


13 





o3 

-4-3 


CD 

• rH 


-t-3 


CD 

• r-i 
Pi 
03 
P4 


biO 






o 


o 


O 


O 


o 


o3 


o 


fao 






CO 


o3 

CO 


H 


c3 

CO 


H 


Cu 


H 


< 






CO 

e3 


CO 

03 




CO 

o3 




a 

o 
O 




a 








2 


£ 




WH 






o 


1 



XX11 



REPORT OF THE 



00 

I 

© 



8* 



05 a, 

6 



>> 




o 




c 




<o 








•eflc 


N»CO^C5 


CO CM iO © O 


W 


*— ' © 1 OO 


S 

CO 


+ + + + 


a 








d 




02 




g 




5 




2 




cv> 




iT 1 cc 


HOtCOCO 


2 -53 


r- 1 Tf © -H lO 


o 


O ^J" *— i CO *- ' 


co cy 

<D pi 


CM CN CO CO CO 


s 




co 




a 




M 




a 




a 




3 








s » 




q} CO 


CM © CM CO CO 


pH .2" 


© CM © © CO 


_ « 




3 ° 


00 CO CO lO © 


S * 


CM CO CO O lO 


CO 




CO 




O 




J 




CO 








rt 




w 


"*• CO CM © CM 


g 


© CO CO CO t^ 


.5 


r- i 


a 




a> 




U 




HH 






CO 




a> 








a 




ci 




P-i 




. s . . . 




o 




O 




CD 




• e * * * 




• i-H 




5-4 




c3 




•S • • • 




CC ?> 




CD .5 CO 


CO 

Ed 


r- 1— I .i-i . • 




s ^ g . 

CD - S- 


o 




s- ce -^ Sp -^ 




^^ °te g 

_ ,_ ^ -+J O 




s a -4J , . 




-*3 -(J 2 f-l SH 




^ 3 .S CD CD 




S S l-a ■+= + a 






CO 73 CO 
-*j -j-3 -+-) t-l 5 -H 




-4J -t3 -fc3 C O 




QJ 0) OJ „ „ 




co co cc co to 




3 -- a CD CD 




^= ~ -c '£ *3 




O O c- c$ 




co co co tr tr 




co co x G S 

4 J^ 








1 



CO © 10 


© 


r-i CO © 


OS 


1>1 CO CO 


t>» 


t— 1 CM 1— 1 


+ 


+ + + 


r- 1 t»- OS 


© 


CO ^H © 


CO 


© CM rJH 


•~l 


1— 1 H r-( 


CO 


CO CO © 


t^ 


lO CM OS 


"* 


CM'-?H <— 1 


C5 


b- © t- 


O 


^ © © 


00 


NHt> 


!>■ 


1— 1 T- 1 


• 


co 


• 


CD 




• 1— 1 • • 












c3 




ft 




s • • 


. 












CD 




fl ' ' 


* 






U 




a 




s • • 


• 


CD 




• G M 




r 7\ ® 


. 


^ 03 




C Ph 




e3 a 




„ s • 


• 


CD 




.So 




a 4^ CO 




HO® 




US O "£ 


co 
CD 




-4-a 

ce 


2 -i . 


bJD 


Mut 
Join 
othei 


p 

fclo 

bJD 


co to , , 


c3 


+3+=^ 




-u -u O 


CD 


® *> m 


b0 


co co co 


ce 


rm r- CD 


5-1 


X^ fl 


CD 


cs 


►*• 


co co J^ 1 


< 


CO CO c^ 

ce ci § 









CO 
CM 

© 

• co~ 
°i 

1— 1 
CM 

۩= 


1 
1 




$29,707,007 
9,254,342 


05 

CO 

CO 

°^ 
co" 

CO 


O 


$54,615,468 
13,282,089 



oq_ 

CO 


00 
00 

CO 
CO 


© t^ 

CC b- 
!>. O^ 

© -H 
1— t^ 

©"rjn" 
CO CM 

crTr-T 


1^ 

© 

CO 

00" 

00^ 

© 
00" 


CO 
CD 

Si 


* CD 
CD "H 

j- ce 


1 
1 




• • 

le 1$ 
+3 -1-= 



03 
CD 

■4-3 

ce 
bn 
a- 
5-1 
be 
bJD 
< 





© CM CM 




CO CO CO 




CM lO ^ 




1—1 1— i 1-^ 




+ + + 




© © © 




CO CO CO 




01 >o — < 




CO i-H CO 




-^05 00 




CO CM CO 




^ ON 




10 © iO 


^i 




^^) 




K 




O 




O 




00 




00 




^H 





, 


CO © GO 


^ 


i>. t>- r>- 


CO 




•2 




e 




^J 


. . . 


^ 




>*j 




c 




en 


• • • 


cy 




^» 




^ 




C5S 




^ 






. . . 




. . . 




. . . 




• • • 




. . . 




• • • 




CD 









CD § 




C 5- CD 




a) J a 




5 x^ 




&& a 




« D © 




K a ° 




Fire 

Mari 

Both 



INSURANCE COMMISSIONER. 



xxm 



Although statistics are regarded as dry and uninviting, 
and the limit originally intended for these collections has 
been necessarily exceeded, the hope is ventured that they 
may prove serviceable in their teaching and application. 
But, without further elaboration here, it may suffice to say 
that the interests involved are so enormous and far-reaching 
in their business relations, that almost any measure of prac- 
tical benefit derived from their presentation may well com- 
pensate for time and labor expended. Aside from the general 
information which they impart, their lessons of actual ex- 
perience may not be too carefully studied. How far their 
revelations may effectual^ prompt better methods and wiser 
administration will be a problem for underwriters to solve. 

Expenses to Premium Receipts. 

In preceding exhibits expense ratios have been given in 
some detail; but, as they constitute a factor of vital im- 
portance in their relations to the business under review, a 
comprehensive summary of their remarkable range and aver- 
age, especially in their latest development, will be of inter- 
est here. 

An examination of annual statements, as rendered from 
year to year, discloses wide differences in ratios of working 
expenditure. These have existed in every period, and under 
all conditions affecting the business of underwriting. For 
illustration we cite the following : — 





1879. 




1880. 




COMPANIES. 


Ratio of Expenses j 

to Average. 
Premium Receipts. ■ 


Ratio of Expenses 

to 
Premium Receipts. 


Average. 


Massachusetts Mutual Fire 
Companies . 

Massachusetts Mutual Ma- 
rine and Fire-Marine 
Companies . 

Massachusetts Joint- Stock 
Companies . 

Companies of other States, 

Companies of other Coun- 
tries .... 


.96 to 177.00 

8.63 to 29.72 

15.65 to 179.95 
9.77 to 91.09 

23.18 to 4727 


21.13 

20.39 

34.11 
33 27 

31.92 


3.89 to 110.70 

10.46 to 26.30 

14.72 to 81.99 
12.41 to 65.43 

29 17 to 40.41 


19.27 

19.47 

28.67 
32.31 

31.28 




General av. 32.48 


General av. 


31.30 



xxiv REPORT OF THE 

An aggregation of the business of all the Companies re- 
porting daring the two quinquennial periods, introduced on 
preceding pages, shows equally interesting results. From 
1865 to 1869, inclusive, their ratios of working expenditure 
to premium receipts ranged from 4.88 to 131.08, with a gen- 
eral average of 27.63; from 1874 to 1878, inclusive, the 
range was from 4.48 to 111.44, with an average of 29.53; 
while, for the years 1879-80, the range, as above stated, 
was from .96 to 179.95, averaging for the two years 31.86. 

Although the extreme average increase of expense ratios 
among all the Companies combined, between 1865 and 1880, 
was a fraction less than five per cent, yet there were very 
many instances in which, owing to the pressure of competi- 
tion or other kindred causes, as ma}^ be reasonably inferred, 
the increase by individual Companies ranged from ten to 
more than sixty per cent. 

Among Massachusetts Companies, the Mutual Fire, as a 
whole, maintained exceptional uniformity, their average vary- 
ing less than two per cent, decreasing, from 21.95 in the first 
period, to 20.11 in the last, and to 19.80 for the year 1880 
alone. The Mutual Marine and Fire-Marine nearly doubled 
theirs, increasing their average, from 10.61 in the first, to 
19.93 in the last, and falling to 19.47 for 1880 alone. The 
Joint-Stock Companies raised theirs, from 20.52 in the first, 
to 31.05 in the last, and dropping to 28.67 for 1880. 

The average ratio of all Companies from other States shows 
an increase, during the fifteen years, from 29.38 to 32.77, 
reduced to 32.31 in 1880 ; and the American Branches of the 
Foreign Companies, an increase from 27.07 to 31.58, drop- 
ping to 31.28 in 1880. 

In the review of Massachusetts business for 1880 alone, 
included in statements following, will be found other com- 
parisons of similar import and interest. Of the Home Com- 
panies, the Mutual Fire show an average expense ratio of 
only 19.27; the Mutual Fire and Fire-Marine, 19.54; the 
Joint-Stock, 28.45; those from other States, 32.30 ; and those 
from other countries, 31.28. It will be understood that these 
ratios are factors in those before given as the averages for 
1879-80 combined, and therefore not in conflict therewith. 



INSURANCE COMMISSIONER. 



XXV 



Massachusetts Business. 

The strictly Massachusetts business transacted by Compa- 
nies authorized to write fire and marine risks within the State 
presents some features of important local interest not here- 
tofore pointed out. Its volume and comparative ratios are 
quite suggestive, and, if intelligently analyzed, may reveal 
instructive results. 

In the business of 1880, summarized in detail in Table XII., 
the Massachusetts Companies compare favorably with their 
competitors, their local risks written showing an increase of 
ten per cent over the previous year ; while their average pre- 
mium rate was reduced only jive one-hundredths of one per cent, 
and their losses increased only two per cent, indicating a ma- 
terial gain in the general result. The Massachusetts business 
written by Companies from other States and countries was 
increased nearly seventeen per cent ; while their average 
premium rate was reduced seven per cent, and their losses 
increased sixteen per cent, — a net result by no means without 
its lesson. 

An aggregation of the Massachusetts business for 1879-80 
exhibits other items of special interest. It appears, that, of 
all local risks written during these two years, the Home 
Mutual Fire Companies took nearly fourteen per cent ; the 
Home Mutual Marine and Fire-Marine, a fraction over five 
per cent ; the Home Joint-Stock, a fraction over twenty-one 
and a half per cent ; Companies from other States, forty-three 
and one-third per cent ; and the American Branches of the 
Foreign Companies, a little over sixteen per cent. 

In keeping with the illustrative tabulations already intro- 
duced, we append the following summarized statement of 
Massachusetts business for the last two years, with compara- 
tive ratios : — 

Fire Experience only, 1879-80. 



COMPANIES. 


Risks Written. 


Premium 

Receipts. 


Losses Paid. 


Massachusetts Mutual Fire 
Massachusetts Mutual Marine 

and Fire- Marine . 
Massachusetts Joint- Stock 
Companies of other States 
Companies of other Countries. 


$224,775,309 

13,855,990 

1 84,808,482 

400,810,750 
201,418,474 


12,501,552 

82,089 
1,075,147 
4,002,322 
2,199,226 


$846,540 

27,236 
797,044 

2,495,081 
1,286,603 


Totals .... 


11,135,729,005 


-$10,400,936 


$5,452,504 



XXVI 



REPORT OF THE 



Fire and Marine Experience combined, 1879-80. 



COMPANIES. 


Kisks Written. 


• 

Premium 
Keceipts. 


Losses Paid. 


Massachusetts Mutual Fire 
Massachusetts Mutual Marine 

and Fire-Marine . 
Massachusetts Joint-Stock 
Companies of other States 
Companies of other Countries . 


$224,775,309 

81,720,308 
348,079,220 
700,227,748 
261,418,474 


$2,501,552 

' 1,357,232 

4,071,156 
6,562,495 
2,199,226 


$846,540 

933,671 
2,237,263 
3,982,541 
1,286,603 


Totals ... . 


$1,616,221,059 


$16,691,661 


$9,286,618 



Comparative Ratios. — 


Fire Expe 


rience. 




COMPANIES. 


Premium 
Mate. 


Losses to 
Prem. Receipts. 


Expenses to 
Prem. Receipts. 


Surplus or 
Deficiency. 


Mass. Mut. Fire Companies . 
Mass. Mut M. and F. M. Cos. 
Mass Joint-Stock Companies, 
Companies of other States 
Companies of other Countries, 


1.15 
.59 
.91 
.89 
.84 


33.84 
32.94 
47.58 
62.36 

58.50 


20.11 
24.46 
31.64 
33 16 

31.58 


+ 46 05 
+ 42 60 

+ 20.78 
+ 4.48 
+ 9.92 



Fire and Marine Experience combined. 



Mass. Mut. M. and F. M. Cos. 

Mass. Joint-Stock Companies, 
Companies of other States 




+ 11.28 

+ 14.00 

+ 6.54 



In the case of Companies writing both fire and marine 
risks, we have used for the computation of expense ratios a 
formula based upon returns specially requested, no distinction 
being ordinarily made in annual statements between expenses 
appertaining to the two branches of business, nor between 
Massachusetts business in distinction from that done in other 
States. 

A comparison of these with the ratios representing periods 
previously cited will show some important differences. But, 
among other matters of interest, it will be seen that all the 
Companies report a higher premium rate on their Massachu- 
setts business than upon their aggregate volume. Of the 
Massachusetts Companies, the Mutual Fire, two-thirds of 
whose business is confined to the State, have suffered during 
the last two years a much heavier ratio of losses on their 



INSURANCE COMMISSIONER. xxvii 

home risks than upon their aggregate; while the Mutual 
Marine and Fire-Marine and Joint-Stock report a smaller 
ratio on home business. The Companies of other States and 
countries show a heavier ratio of losses on Massachusetts 
risks, which, with their larger expense ratio and smaller pre- 
mium rate, reduces their surplus of premium receipts on 
Massachusetts business to a meagre percentage. 

The foregoing results are introduced, as are those on pre- 
ceding pages, with the belief that every legislator, as well as 
insurance expert, will find in them instructive suggestion. 
The large volume of business done in this Commonwealth, the 
many millions of dollars annually paid for the protection of 
Massachusetts property, the many millions received in reim- 
bursement for losses incurred, with their accompanying finan- 
cial ratios, constitute important factors in public polity and 
welfare. 

The Massachusetts Fire Record for 1880. 

The yearly record of fires, even in a single State, is full 
of important interest, and sometimes interspersed w 7 ith 
strange mysteries and surprising incidents. Such has been 
the last year's record of fires in Massachusetts. 

Ninety towns report no fires within their precincts. In 
other municipalities there were 1,722, a decrease of 130 from 
the record of 1879. The estimated losses aggregate $1,454,- 
221, of which the insurance reimbursement amounted to 
$3,159,515, or nearly seventy-one per cent. Of the whole 
number of losses, 596 were total, and 1,126 were partial. 

Of the whole number of fires during the year, 677 (nearly 
forty per cent) are reported as incendiary and unknown ; 
exposure to other burning buildings or premises, 247, or 
more than one-seventh ; defective chimneys, heating-appara- 
tus, and boilers, 252, also more than one-seventh ; careless 
use and exposure of matches, 106, of which 83 were caused 
by children at play, and 12 by rats; use of kerosene and 
volatile oils, 108; spontaneous combustion, 45; smoking, 
34; ashes in wooden vessels, 28; fireworks, 12; sparks from 
chimneys, stoves, and locomotives, 92. 

Among other singular incidents mentioned in the returns 
was one at Greenfield, Dec. 30, in which the concentration 
of the sun's rays upon a looking-glass set fire to a window- 



xxviii REPORT OF THE 

curtain, causing a loss of forty dollars. It is noted, also, that 
one of the dangerous manufactures is that o£ lamp-black, an 
establishment for that purpose at Lynn being almost sure to 
burn every year. Cases of spontaneous combustion are 
reported as of frequent occurrence in soft coal, when de- 
posited or piled more than five or six feet high. Among the 
fires originating from chimneys, several were caused by fail- 
ure to place doors at the bottom, for the removal of soot or 
other refuse material accumulating within. 

It is a practical suggestion from the Chief of the Somer- 
ville Fire Department, that Chief Engineers of all such 
Departments should be appointed Fire Marshals with au- 
thority to investigate causes of all fires occurring in their 
precincts. With all such or similar measures, and the enact- 
ment of improved and equitable building laws efficiently 
enforced throughout the whole Commonwealth, especially 
in all cities and towns in which lives and property are 
exposed, either in packed or badly arranged structures or 
in thickly populated localities, very much may be accom- 
plished in addition to what legislation has already secured. 

With the fire statistics in course of collection by this 
Department, as authorized by Chap. 104 of the Acts of 
1878, much instructive information is being accumulated. 
The returns for the first five years will soon be in hand, 
from which it is believed important and valuable experiences 
may be gathered. 

Fire-Insurance Reserves. 

The computation of an equitable fire-insurance reserve 
is attended with many difficulties. The present measure of 
liability established by law for unearned premiums is clearly 
unjust and fallacious in its practical application, being in 
numerous cases unnecessarily large, and in others manifestly 
too small, and therefore by no means a reliable standard. 
Of the many conditions which of necessity enter into this 
question, it is needless to speak here, especially as the whole 
subject is being carefully considered by intelligent experts. 
For this reason mainly, the attention of the Legislature was 
not directed to existing statutes regulating such liability. 
At the Insurance Conference held in Chicago in September 
last, the subject was quite fully discussed pending the con- 



INSURANCE COMMISSIONER. xxix 

sideration of a valuable paper presented by William D. Whi- 
ting, Esq., of New York, and was finally referred to a special 
committee for investigation and report. It is possible that 
conclusions may be reached which will materially aid in the 
solution of this difficult problem. 

Insurance Legislation. ■ — " Massachusetts Standard 

Policy," Etc. 

Daring the preparation and printing of the present Re- 
port, several insurance matters have engaged the attention 
of the Legislature. While these have been fewer than usual, 
only three or four which have passed to enactment have very 
general interest. 

In the department of fire underwriting, two of the latter 
are specially important. One of these is the removal of the 
restriction to three-fourths of the property-value in risks 
written by Mutual Companies; the other, and the one of 
most importance, is the substitution of an improved " stand- 
ard policy " for the unsatisfactory form enacted in 1880. This 
subject has received patient and mature consideration by the 
Joint Committee on Insurance, aided, by suggestions from 
experienced experts representing a large number of Com- 
panies chartered at home and abroad. The policy in its new 
draught goes into effect from and after Oct. 1, 1881. 

As a step in the direction of simplicity and uniformity, 
as well as in its recognition and enforcement of more equi- 
table terms, it is a substantial success. Carrying also per- 
missive authority for the interpolation of other conditions 
required by law, charter, or deed of settlement, it meets an 
important necessity not provided for by the imperfect legis- 
lation of 1880. As a whole, the new form of policy is 
perhaps as nearly acceptable to all Companies transacting 
business in the State, as any whose enactment could be 
secured. 

For the information and use of Companies authorized in 
Massachusetts, the entire act is hereto appended. 



xxx REPORT OF THE 



An Act concerning Mutual Fire-Insurance Companies, and 
establishing a Standard Form for Fire-Insurance Policies. 

Be it enacted by the Senate and House of Representatives in General 
Court assembled, and by the authority of the same, as follows : 

Section 1. No fire insurance company or association 
shall, after the first day of October next, issue fire-insur- 
ance policies on property in this Commonwealth other than 
those of the standard form herein set forth, except as 
follows, to wit: — 

First. A company or association maj- print on or in its poli- 
cies its name, location, and date of incorporation, the amount of 
its paid-up capital stock, the names of its officers and agents, the 
number and date of the polic\ T , and, if it be issued through an 
agent, the words, "This policy shall not be valid until counter- 
signed by the dufy authorized agent of the company at ." 

Second. A company or association may print or use in its 
policies printed forms of description and specification of the 
property insured. 

Third. A company or association insuring against damage by 
lightning, may print, in the clause enumerating the perils insured 
against, the additional words, "Also any damage by lightning, 
whether fire ensues or not," and in the clause providing for an 
apportionment of loss in case of other insurance, the words, 
" whether by fire, lightning, or both.' , 

Fourth. A company or association, incorporated or formed in 
this Commonwealth, may print in its policies any provisions 
which it is authorized or required by law to insert therein; and 
any companj" or association not incorporated or formed in this 
Commonwealth ma}', with the approval of the insurance commis- 
sioner, so print any provision required by its charter or deed of 
settlement, or the laws of its own state or country, not contrary 
to the laws of this Commonwealth : provided, however, that the 
insurance commissioner shall require any provision which, in his 
opinion, modifies the contract of insurance in such way as to 
affect the question of loss to be appended to the policy by a slip 
or rider, as hereinafter provided. 

Fifth. The blanks in said standard form may be filled in print 
or writing. 

Sixth. A company or association may print upon policies 
issued in compliance with the preceding provisions of this section 
the words, " Massachusetts Standard Policv." 



INSURANCE COMMISSIONER. xxxi 

Seventh. A company or association may write upon the margin 
or across the face of a policy, or write or print upon separate 
slips or riders, to be attached thereto, provisions adding to or 
modifying those contained in the standard form ; bat when printed 
to be in type not smaller than long primer, and all such slips, 
riders and provisions must be signed by the agent, or the com- 
pany so using them. 

The said standard form of policy shall be plainly printed, and 
no portion thereof shall be in smaller type than long primer, and 
shall be as follows, to wit : — 

No. 8 



[Corporate name of the company or association: its principal place or 
places of business] 

r J his company shall not be liable beyond the actual value of the 
insured property at the time any loss or damage happens. 

In consideration of dollars to them paid by 

the insured, hereinafter named, the receipt whereof is hereby acknowl- 
eged, do insure against loss 

or damage by fire, to the amount of dollars. 

(Description of property insured.) 

Bills of exchange, notes, accounts, evidences and securities of property 
of every kind, books, wearing apparel, plate, money, 
jewels, medals, patterns, models, scientific cabinets and covered by Poli- 
collections, paintings, sculpture, and curiosities are not 
included in said insured property, unless specially mentioned. 

Said property is insured for the term of beginning on 

the day of in the year 

one thousand eight hundred and , at noon, 

and continuing until the day of in the year 

one thousand eight hundred and , at noon, against all 

loss or damage by fire, originating from any cause except invasion, 
foreign enemies, civil commotions, riots, or any military Perils insured 
or usurped power whatever; the amount of said loss or a £ amst - 
damage to be estimated according to the actual value of the insured 
property at the time when such loss or damage happens, but not to in- 
clude loss or damage caused by explosions of any kind unless fire ensues, 
and then to include that caused by fire only. 

This Policy shall be void if any material fact or circumstance stated 
in writing has not been fairly represented by the insured, Matters avoid- 
— or if the insured now has or shall hereafter make any in s Pollc y- 
other insurance on the said property without the assent in writing or in 
print of the company, — or if, without such assent, the said property 
shall be removed, except that if such removal shall be necessary for the 
preservation of the property from fire, this policy shall be valid without 
such assent for five days thereafter, — or if, without such assent, the 
situation or circumstances affecting the risk shall, by or with the knowl- 
edge, advice, agency, or consent of the insured, be so altered as to cause 



xxxii REPORT OF THE 

an increase of such risks, or if, without such assent, the said property 
shall be sold, or this policy assigned, or if the premises hereby insured 
shall become vacant by the removal of the owner or occupant, and so 
remain vacant for more than thirty days without such assent, or if it be 
a manufacturing establishment running in whole or part extra time, 
except that such establishments may run in whole or in part extra hours 
not later than nine o'clock p.m., or if such establishments shall cease 
operation for more than thirty days without permission in writing 
indorsed hereon, or if the insured shall make any attempt to defraud the 
company, either before or after the loss, — or if gunpowder or other 
articles subject to legal restriction shall be kept in quantities or manner 
different from those allowed or prescribed by law, — or if camphene, 
benzine, naphtha, or other chemical oils or burning fluids shall be kept 
or used by the insured on the premises insured, except that what is 
known as refined petroleum, kerosene, or coal-oil may be used for 
lighting. 

Assured to pro- If the insured property shall be exposed to loss or damage 
™ai«Jw^L™ by fi re ? the insured shall make all reasonable exertions to 
to fire - save and protect the same. 

In case of any loss or damage under this policy, a statement in 
writing, signed and sworn to by the insured, shall be forthwith rendered 
Statement b in ^° ^ ne com P anv > setting forth the value of the property 
sured in case of insured, the interest of the insured therein, all other 
insurance thereon, in detail, the purposes for which and 
the persons by whom the building insured, or containing the property 
insured, was used, and the time at which and manner in which the fire 
originated, so far as known to the insured. The company may also 
examine the books of account and vouchers of the insured, and make 
extracts from the same. 

In case of any loss or damage, the company, within sixty days after 
the insured shall have submitted a statement, as provided in the pre- 
payment of loss ceding clause, shall either pay the amount for which it 
to be made with- s hall be liable or replace the property with other of the 

in sixty days L ... 

after proof, un- same kind and goodness, — or it may, within fifteen days 

Igss CO HIT) ITU V 

elects to replace after such statement is submitted, notify the insured of its 
or repair. intention to rebuild or repair the premises, or any portion 

thereof separately insured by this policy, and shall thereupon enter upon 
said premises and proceed to rebuild or repair the same with reasonable 
expedition. It is moreover understood that there can be no abandon- 
ment of the property insured to the company, and that the company shall 
not in any case be liable for more than the sum insured, with interest 
thereon from the time when the loss shall become payable, as above 
provided. 

If there shall be any other insurance on the property insured, 

whether prior or subsequent, the insured shall recover on this policy no 

greater proportion of the loss sustained than the sum 

Apportionment , . , , 

of loss in case of hereby insured bears to the whole amount insured thereon, 
o ei msuiance. ^^ whenever the company shall pay any loss, the insured 



INSURANCE COMMISSIONER. xxxiii 

shall assign to it, to the extent of the amount so paid, all Insured to as- 
rights to recover satisfaction for the loss or damage from ciannsV?ainst ny 
any person, town, or other corporation, excepting other tbircl P arties - 
insurers; or the insured, if requested, shall prosecute therefor at the 
charge and for the account of the company. 

If this policy shall be made payable to a mortgagee of the insured 
real estate, no act or default of any person other than such mortgagee or 
his agents, or those claiming under him, shall affect such mortgagee's 
right to recover in case of loss on such real estate: provided, that the 
mortgagee shall, on demand, pay according to the established scale of 
rates for any increase of risks not paid for by the insured; and whenever 
this company shall be liable to a mortgagee for any sum for loss under 
this policy, for which no liability exists as to the mortgagor, Ri „ hts of par . 
or owner, and this company shall elect by itself , or with ties in case the 

L * i policy is made 

others, to pay the mortgagee the full amount secured by payable to a 
such mortgage, then the mortgagee shall assign and transfer 
to the companies interested, upon such payment, the said mortgage, 
together with the note and debt thereby secured. 

This policy may be cancelled at any time at the request of the 
insured, who shall thereupon be entitled to a return of the cancellation of 
portion of the above premium remaining, after deducting Policy, 
the customary monthly short rates for the time this policy shall have 
been in force. The company also reserves the right, after giving written 
notice to the insured, and to any mortgagee to whom this policy is made 
payable, and tendering to the insured a ratable proportion of the pre- 
mium, to cancel this policy as to all risks subsequent to the expiration 
of ten days from such notice, and no mortgagee shall then have the right 
to recover as to such risks. 

In case any difference of opinion shall arise as to the amount of loss 
under this policy, it is mutually agreed that the said loss shall be re- 
ferred to three disinterested men, the company and the in- 

DiffcvGncss to 

sured each choosing one out of three persons to be named by be submitted to 
the other, and the third being selected by the two so chosen, ie eree 
provided that neither party shall be required to choose or accept any 
person who has served as a referee in any like case within four months; 
and the decision of a majority of said referees in writing shall be final 
and binding on the parties. 

No suit or action against this company for the recovery of any claim 
by virtue of this policy shall be sustained in any court of law or equity 
in this Commonwealth unless commenced within two years from the 
time the loss occurred. 

In witness whereof the said company has 

caused this policy to be signed by its President, and attested by its Sec- 
retary [or by such proper officers as may be designated], at their office 
in date 

Sect. 2. Any insurance company, association, or agent 
who shall wilfully or knowingly violate any of the provis- 
ions of this act by making, issuing, or delivering any policy 



xxxiv REPORT OF THE 

of fire insurance in this Commonwealth except as herein 
provided, shall be punished by fine of not .less than twenty 
nor more than fifty dollars for the first offence, and of not 
less than fifty nor more than two hundred dollars for each 
subsequent offence, upon complaint made by the insurance 
commissioner, or by an}^ citizen of the* Commonwealth, to 
any court having jurisdiction of the offence; but any policy 
of insurance so made, issued, or delivered, shall nevertheless 
be binding upon such company or association. 

Sect. 8. Chapter three hundred and thirty-one of the 
acts of the year eighteen hundred and seventy-three, chap- 
ter one hundred and seventy-five of the acts of the year 
eighteen hundred and eighty, and so much of section fifty- 
two of chapttr fifty-eight of the General Statutes as limits the 
amount of a policy, issued on the mutual plan, to three- 
fourths of the value of the property insured, are hereby 
repealed. 

Sect. 4. This act shall take effect upon its passage. 
[Approved March 31, 1881. 

Insurance Receiverships. 

Under the provisions of chap. 25 of the Acts of 1880, three 
of the Massachusetts Receiverships, those of the Bay State, 
Northampton Mutual, and Suffolk Insurance Companies, have 
been closed, and their unclaimed dividends have been trans- 
ferred to the State Treasury. 

Since the last Report, the affairs of several of the Receiv- 
erships have remained substantially without change, render- 
ing a repetition of their details unnecessary here. These are 
the Boston, Exchange, Howard, Manufacturers', Merchants', 
People's, and the Shoe and Leather Dealers' Insurance Com- 
panies. The following abstracts represent the remainder: — 

Conway Mutual Fire Insurance Company. 

Cash in hand Dec. 22, 1879. 
Assets since converted into cash . 
Received from assessments .... 

Total ....... 

Paid sundry claims . . 

Paid sundry assessments .... 

Balance in hand Jan. 4, 1881 . . $2,457 65 



. . 


$2,421 13 


. 


3,560 00 


• 


1,262 71 


. 


$7,243 84 


^4,558 80 




227 39 






4 781 1Q 




x,( U J X o 



INSURANCE COMMISSIONER. 



XXXV 



Franklin Insurance Company. 

Cash in hand Jan. 1, 1880 .... 

Assets since converted into cash . 

Interest received ...... 



Total 

Paid Receiver for services, per decree of court . $3,500 00 
Paid sundry expenses . . . . . . 23 48 

Balance in hand Jan. 1, 1881 . 



Home Mutual Fire Insurance Company 

Cash in hand Dec. 31, 1879 .... 

Received from assessments and interest 



Total 



Paid dividends and expenses, per decree of court 
Balance in hand Dec. 31, 1880 . 

National Insurance Company. 

Cash in hand Dec. 31, 1879 

Dividends since paid ......... 

Balance in hand Dec. 31, 1880 . . 

New England Mutual Marine Insurance Company 
Cash in hand Dec. 31, 1879 
Amount since received 



Total ..... 
Paid sundry expenses . 

Balance in hand Dec. 31, 1880 



Neptune Insurance Company. 
Cash in hand Dec. 31, 1879 .... 

Received for interest ...... 



$326 15* 

4,600 00 
53 86 

$4,980 01 

3,523 48 

$1,456 53 



$4,883 74 
1,829 88 



$6,713 62 
3,964 59 

$2,749 03 



$6,250 99 
121 40 

$6,129 59 



$5,816 21 
67 93 



$5,884 14 
385 47 


$5,498 67 

$9,587 61 
211 02 



Total $9,798 63 

No payments. 

Washington Insurance Company. 

Cash in hand Dec. 31, 1879 $29,574 56 

Received interest and dividends 1,089 90 

Received proceeds of Ogdensburg Railroad bond . . 359 50 



Total . 
Paid expenses 



$31,023 96 
51 60 



,972 36 



Balance in hand Dec. 31, 1880 
Other assets and claims as heretofore reported. 

* Reported last year $1,326.15, which included an asset since converted into cash 



STATISTICAL TABULATIONS. 



XXXV111 



REPORT OF THE 



a 



03 

5s, 



to 



►J 





>» 


n to CO 


O CO CO b- 


CO CM 


CO tO rH 


C3 32 CO lO 


CO CM X b- 




CO -h 


ct.' CO 1-1 rH 


1— 1 CO 


CO rfl t— 


CO t- CO 01 


b- b- X tO 




rH 


CO 1— 10 


1— 1 CO jo CO 


1— CO 


1— O CO 


32 CO CO CO 


i—| CO O rH 




w 7! 
















3 © Oi 


ffi ' CO ' t- 


i-i ■* — 1 ' CO 


C5 


1C CM rH 


b- O CM rh ' 


' b- X 35 rfi 




*? J2 ao 


H CM 


CO CM CO CO 


b- 


lO CO 


CM CO rH 


CM CM CO rH 




& (d ri 

U 03 


۩= tH 


CM 






• r-t 


rH CO 





















a 












«o^ 






i-l CO l— 


i-H JO CM CM 


C5 CM 


O CO 35 


rH b- 32 CM 


tO b- CM CO 




>> 


CO 32 1— 1 


CO 3: CO 10 


rH I— 


lO rH b- 


rH rr O rH 


CM IO rH CO 




rplus 
cienc 
380. 


to CO 


rH l— CO lO 


O^b- 


ih cq_o 


iO O CM O 


CO rH CM CO 




. ++ ^. ++ • 


, t r^r5q ,++ io 


*5 


CO t^co*' 


i-rrrTcOKT* 1 *'" 


■^cT ©~ frf -T 




CM JO rH 


CO CO rfl b- 


00 


rH lO O 


CO CO CM 


CM rH 35 lO 




S3 tfi r-4 


۩ 


i-i 




rH' 


rH 


r-i CO 




ft 
M 
O 
















+;■ 


CM rH CM 


i— 1 t- rfl O 1— 1 


C3i O 


CO CO CO 


b- lO CO 35 


JO CO O 35 CO 






rH 35 X 


rtl^-if H35 




OlOH 


CM Ol CO lO 


b- CO rH CO rH 




EC 0) 


3> , b- , © 


CO JO CO CO 


O CO 


CO b- b- 


1-1 CO rH CO 


CO O CO CO -fi 






»* .> 1 -X 














O -S 


35 ' CI ■ 10 


OHH Oi 


10 CO 


CO rH CO 


35 O CO b- ' 


rH CM O JO Ol 






— b- 


rfl CO CO CO 


rfi 


rH rH CO 


b- rH rH 


CM 35 CO TH 




O 2 


m i- 1 


CM 


rH 




rH 


rH rH 




3 
















* c 


CO CO 3. CO 35 


CM CM CO rfl CO 


00 CM 


CO 35 CM 


rH CM CM rH CM 


CM X b- rH CO 






b- lO X — 32 


CO t- b- CO rH 


CO CO 


»C 35 32 


rH b- b- C »0 


CO X CO X b- 




i> 


3. CO rH CO CO 


b- CO 35 b- 35 


CM 1— 


t-iOl- 


CO X CO -fi t- 


CO O X b- 




















«i 


t- -CO 1-1 »0 


t- CO CO rH 


O rH 


CO CM 33 


O -fi CO CM 


1-H rH t- CO 




rH CO rH 


b- CO CM i-l 


CO 


CM b- CO 


rfl O CO CM 


JO CO Ol CO 




CO 

CO 



O 


۩= CM 


rfl 1-1 


CM 


1—1 


rH CM 


CO JO 




W 
* 


CO CM O Ol b- 


1-1 1—1 O O 35 


rH tO 


CO 35 O 


O lO lO »C O 


32 rH rH b- X 




P3 QO 


rfrl lO 1— ' rH Ol 

HXt-XO 


CO O CM O rfi 


O rH 


rH O CO 


O b- rfl CO CM 


rH JO Ol Ol CO 




CO i-l O CO O 


iO rH 


b-rf: 10 


lO l> CO X (N 


1— 1 JO JO CO CO) 




00 
















es *"! 


CM lO t- l> O 


CM CM JO CO CM 


rfi rH 


rH CO t- 


CM 32 lO O »0 


X rH X X CO 




CO CO CO CM CO 


CO O 3. CO CM 


O b- 


rH CO r- 1 


rH CO O O CO 


cc co oi rH r— 




-M CO 


© CO b- 1— 1 


1—1 35 i— to Ol 


CO CO 


t~ CC 35 


XHt>l> 


CO Ol rH rH 32 




B . 
















CM lO 1-1 


lO rfi O rfi lO 





■CM rH 35 


O rHCM 


rH CO i-H CT. rH 




S^ O 
O 4* 


m v* 


to 


CM 




rH rl 


CM rH 




s « 
<1 
















-d 
















a> 


«o-*mo 


lOHOOM 


»0 b- 


b- rH b- 


O rfl X CO O 


32 JO rH CO X 




ej 


— ■ 1-1 cc 35 t— 


CO rfl CO O rH 


t- CO 


CO CO 32 


035 rH lO O 


X rH CO CO rH 




p 


rfl 32 rH CO CO 


1-1 CM CO CO b- 


CO 35 


O b- rH 


rH rH 35 32 rH 


CM JO JO JO 35 




















S 00 


© Ol 32 CO CO 


CM 1— 1 00 tH'O 


CO O 


CO t- CO 


CO CM O X X 


X CM rH X O 




Ol OJ 00 rH rfl 


1-1 CO — CO 


1—1 lO 


CM rH t- 


O 1-1 OCO CM 


X b- JO CO X 






CO CO i-t 


© CO O 35 JO 


b- 


CO rHCM 


rH CO b- rH 


CO CO O JO CO 






۩ Co" 














H C 


1— 1 1— 1 t— rH 


rH 


T^ CO 


35 rfl rH 


rH CO 




BO ""' 
OCl 

s 


CM 


rfl 












fl 


cc © jo cc jo 


oaooo 


CO 


32 O CO 


O rH rH _i 10 


rH O b- CO X 






OS O CO rH i* 


t— 35 i-i jo i—i 


to CO 


b-O 32 


O CM rH rH rH 


00 CO CO CO 32 






or.t-ci» 


O 32 rh 31 CO 


CO 32 


lO O b- 


CM X rH CM b- 


CM rH JO rr rH 




















rJ • 


C2 32 CO JO 00 


rfi CO b- CM CO 


rfi 32 


i-H CM O 


b- O O b- CO 


JO CO n N CO 




■fi s 


Jc GO CM JO 


O O lO b-© 


32 rH 


CCHIO 


X CO t- CM tH 


1—1 rH rH rH O 




>■ 22 


CD 35 CM 


O rH JO CO CO 


lO 


10 lO CO 


3. b- 10 


rH b- 35 rH 00 


















r* -i 


<=# CO 


rH 1—1 CO 1— 1 


rH 


CM CM 


O rH 


CO CO 




to 

M 

CO 


CM 


lO 






rH 








b- b-© co JO 


CO lO O 35 rfl 


CO CO 


IOOCD 


35 O b-35 b- 


X Ol CC CO Ol 




fl 2 « 


lO rH CO b- rH 


co c: 10 cm co 


rH rfl 


^- CO 10 


CM b- rH CM b- 


Ol CO Ol rH CO 




a pq 


ccxx«x 


CO CO CO CO CO 


CO CO 


CO CO GO 


X X X X X 


CO X X X X 




tH* 






U 
fl 

a 

SH 

. fl 




"to 






'/■> 




• 


• 


. t-l . . . 


• • • • • 




< 




"CO 


c3 

.a 






fl 












nty 
eture 


s 

|-H 


• • • 


+3 
. • • ■ 

CCJ 
<4h 







fa 






O 




fl 






risquam 
wright 
field . 
eborough . 


rnstable Cou 
rkshire 
ston Manufa 
istol County 
in bridge 


zens' . 
asset . 
ton and Wo 


s' 

ham . 
Chester 


• fl • • • 
C3 

t fl^ >s 
^P5^2rQ 

<v ~— ^ fl fl 


roveland 
Hampshire 
iinghaiu . 
'olyoke . 
owell 






.55 -j;^^^ 


• " rC +J 


i— 1 ^3 r* 


w •—• J3 c$ c3 






,-2 _ Sh M +j 


03 D O m Cj 


.rtOO 


0) 


1 




<|<!<!<j<j 


p; pq pq pq 


UO^ 


PP 


HfeflH^O 


OPqpHWf-1 



INSURANCE COMMISSIONER. 



XXXIX 



tcrft-ooo 


f O —1 31 f 


CM i-H 00 i-H 


© flO 


t-lO 






O W lO CO (M 


i-i CM 00 O CO 


iO 31 r— CO 


© t-Ol 


© © 






"* '* O 31 N 


CM CM if) O lO 


CO cc JO CO 


X f cm 


© t- 












i ^ ., ~ a 




1 




i-i^t-O'* 


CM CO O IO 31 


KJrtCMH ' 


' CO CO tH ' 


lO CO 






COKOCOH 


CM t-CM iH 


t- 31 CM 


CO IO I 


i-l CO 






INH Ol 




r-l i-H 


tH 1 


tH Ol 






v5» 

f IO 31 Ol © 


O t- i-l CM CO 


r— co © co 


i—l X X 


Ol © 


tH 




© © O f © 


i-i CO O 31 f 


CO i— f o 


© © Ol 


© t- 


© 




co co tjh o n 


CM CM CO CO t- 


o^oco^co 


H^CO 


Ol CO 


f 








t^ff" ++ 










f Ol 30 GO lO 


CO 1 3. t- CM 


* M "© t- co" 1 ^" 


© Ol 


X 




CO IO t-i 31 CO 


1 t-Ol Ol 


31 CO CM 


CO t~ I 


t- lO 


© 




cm th cm 




tH CM 


^ 1 


Ol 


co^ 

CO 

m 




CO O lO 3 CO 


OS f f CO Ol 


i— i f i- 1 CM 


"+< © i-H © 


f © 


© 




oo 3! oi a oo 


O f f 3. O 




© co i- © 


© © 


IO 




<t ^ Tl H X 


WOKt-* 


HlCNH 


©ft-© 


© © 


Ol 


















-^ CO M X N 


CO i— CM IO f 


CM © t- i-l ' 


1 1- © f 1-1 


X t— 


© 




Ol t- O O CO 


t-CO 


CM 35 


1—1 *-H 


©CO 


© 




1— 1 i-H l— 1 




i—l i—l 


1—1 


I-H Ol 


t- 

Ol" 




Ol IO f X © 


C h- «5 lO » 


CO t~- t- IO io 


© IO X CO IO 


© © 


iy* 




lOKNO'H 


■>-< t- f 00 f 


© f CO f 35 


© © © f CM 


© © 


CM 




00 O £ M iO 


t- I- CO © — 


Ol © CO f CO 


T— t^ X f 


T- f 


X 


















10 00 - 5CO 


CO © — < co t- 


Ol lO CM r-l 


<C30> I- — i—l 


X © 


f 




lOflMOt- 


t- i-i CO CM 


i— I Ol CO 


IO X 


X X 


© 




CO CM CM CO 


1—1 


co m 


Ol 


T-I f 


© 




f t- f f Ol 


OS CC IO io io 


r-l — I IO CO © 


X IO f lO © 


Ol CO 


CO 




CO 31 i-H f f 


31 O CM I— CO 


© Ol © f © 


© 1(0 IO © © 


© —1 


CO 




f CM 00 io CO 


>*CiOCl> 


CO X Ol © r-l 


i— i io co © t— 


f © 


© 


















CO CM CM © 31 


~- CO >* CO CM 


Ol f IO IO © 


1C1CXNN 


X f 


© 




31 © O CO 00 


CO 1(5 CO lO X 


oo co oi © — 


© 3. T 1— © 


f f 


© 




*t033t- 


t- O 00 O CO 


i— f 31 CO f 


t-i 3. 1- f Ol 


I- Ol 


t— 


















i-h IO f f X 


i— i CO i-H 


tlC CM 


f Ol 


CO © 


© 




l—( i—l i—l tH 


1—1 


i-l CM 


1—1 


tH CO 


© 
f 

m 
















O CO 31 CM O 


© t-© ©© 


t- 0C IO IO IO 


© © CO IO© 


1—1 f 


© 




0C 3: O 31 00 


f CO iC io »o 


CC IO t~- Ol t— 


C © i—l C— CO 


i-i CO 






CC lO t- 31 lO 


31 CM 00 CO lO 


t- © CO X © 


t- X *— f i-l 


Ol T-t 


i—i 














.. 




CO CO f O 31 


N N 1C CO Ol 


© © © X Ol 


X CO IO © 


© © 


© 




rri CO CO CO CO 


CO f CO CO O 


— X 3- CO f 


CO CO © f 


1—1 f 


IO 




CO CO 31 i-" 00 


r-i © t- Ol i-H 


IO © CO X 


i—i lO i— 1 


Ol f 


© 


















i— I CO CO CO 


31 


Ol © 


CO 


© © 

T-I 


io" 
t— 

i—i 




OHIO^O 


tH CO o C O 


© i— i lO © IO 


© © f lO© 


Ol X 


© 




Ol Ol CO IO lO 


CO t- C I- o 


IO Ol © © OI 


O IO Ol i- 35 


lO CO 


lO 




CO i— CM O 31 


COXXXO 


© Ol X CM CO 


© Ol IO i-i f 


Ol © 


CO 


















i-H t- © © Ol 


Ol © Ol f lO 


t^ — © X © 


CO CO t- © f 


t-'f" 


Ol 




CO CO rt N H 


© OS t-1 i— 1 © 


X © IO CO CO 


f i-H t- IO 


1— 1 1- 


f 




CO CM O I— CM 


tH f t-OI 


CO X CO X 


i-l t- CM 


oico_ 




















CM f CO f 


i—l 
tH 


CM © 


co" 


1—1 


© 
© 
1— 1 

m 




CO CO t- CO CO 


Ol CO t- f © 


IO >- X IO Ol 


. t— OS X © X 


lO f 






CM I- f Ol CM 


IO t- Ol © CM 


Ol lO CO lO IO 


t- Ol f f Ol 


IO Ol 






00 X CO 00 CO 


CO CO CO 00 CO 


00 X X X X 


X X X X X 


X X 






1— 1 1— 1 I-H T— 1 1— 1 


i-IHrlriH 


rlnrlrlrl 


T-1 1— 1 1— 1 1— 1 1— 1 


i-H iH 






cu 


CD 

o 


. . 1 t>» . 

u 

a 




CD 






a 


a 

• • es • ■ 

. . CO +J . 


rO 


H 


^ 






rs 

nd Fan 


... CO . 

CD 

S 
. . .< . 


o 


-^5 

o • 

"t: cs 

cs a 






+w r^ 


J^o 


a 


Srj- 3 


1—1 1—1 






1l „ 


b a rO 


<!►< 






Lynn 
Massachut 

Merchants 
Merrimacl' 
Middlesex 


• 0>.3, fn Ph 


>t 


33 S ^ J is 
a^~ V cd 

r-l -M TO yj & 

CD "Z d 1> CD 


4) CD 


00 




§9111 

m3 ■!> S P eu 


o o a © o! 

<+-. 3 rj W to 


o o 


03 

O 




W M H H h, 

y-< ^ fi << (25 


fr O'OQ c>2 03 


&icn£ip-&- 


^ 




[ 



o> 


• r- 


■— 


Dh 


^ 


C8 




C 




<0 


CS 


o 




o 


<A 


CS 



-5 o 



>s 


> 


a 

S3 


cfi 






-c 


CJ 




M 


O 


H 


en 


-x« 






^3 




H 





"C <y 



B O 
3 ^ 





fl 




o 








vi 






- 


3 


CO 




B 


H 


P 


sn 


bti 


00 


B 


m 



£ B 



B 

t3 

B 



xl 



REPORT OF THE 



o § 



B £ 



M 

w 



© b- O O 00 rH 

iO t> o: C] 10 O 

CO CO CM r-5 r-5 CO 

rH t— I <M i— i id <M 



1— l CO 

CO | CO 

b-5 ©" 
cm 



© 

CO COHtHO 
i— I HCOHIOW 



b- CM © CO 

cm | as io © 

rH" rH b-^CO 

CO CM CO CO 



CM CO CO rH 
I rH rH IO © 

©' CO CO IO 
CM rH CO CO 



HKCOIOH i— I b- CO IO © 

O-OH © IO ■>* © CO CO 

© CO rt^ CM CO ©^b-^CM CO^ 

of ctT 



b- © i— • i— i co 
© cm © © co 

CM "5*1 CO CO IO 



b- CO t- rH b- 

HONOH 
OiOt-O 



CM CO CO IO b- 
lO rH b- © rH 

t- co co o as 



e 

a 

C£> 

CO 

CO 



no 

e 



60 

CO 

r*2 

e 

CO 

CO 

.8 



13 






b- 100© HCOIMH 
O I (MnH © CO CM rH I 



IN N IO 

co | "* | it- 
cm rH ©" 

rH CM CM 



Ci O b- CO CO 

CO © iO CO © 

©' t-5 t* "*cd 

CN IO CO IO 



CO OlOO 

© |OHO 

CO CO CO 00 

CM (MHCO 



CO i-i rH *"H 
b- IO © CO i 

co" t-5 uo co" 

CO rH rH 



(M H CO CO 
I rH O CO CD 

co t^ i-5 th 

rH CO CO tH 



rH CO rH rH 

rH CO CM CO 

rH" ' CO r-T 

m jo 



00 CO CO OS OS CO © b- © CM O CO IO 

© "H O b- CM CO O © © © b- © rH 

IO b- CO CM CO © ©. COCO r-1 i— I CM i— I 

~ I ~ -v r. «v «x ^ | 



COHt-CON 

© rH as co io 

CO ©^b-^b-^© 

co"*©"''* 

CM CM 



.3 73 



9J 






o 



o a 






© 

co 
rH 



CO IO rH 
b-CM IO 
CO b-^ 

©" i-T 



& <M 



b- CO CO io >o 

b- © © © © 
© rH ©„ T_H . > '* 

t-T «■*"■*©" 

HHCO CM 
rH 



JO b- CO b- CM 

rH © >0 © © 

rH 00 © © © 



© 



lOt-O 
CN i* 



rH CO CM 00 <M 

© CO rH b- © 
IO © CM CO 

i-Tco"©"©~ 

© b- 



b- © © © 
© b-j^lOCM 

' ©"©"b^oo"" 
co b- 



IO b- CO © IO 

b- © © <M IO 

© CO CM rH CO 



© 



CO 
CM 



CO © rH tH CO 
b- CM CO © (M 
IO IO 'ti IO »o 

b^CO rh -hToO 
i— I i— ( © tH 



CM CO © © b- 
IO "* © CM tH 

IO t- © © rH 

IO COb-"^ 
© r-l Ttl 



CO IO IO 00 b- 
CO lOOlOrt 

co cq_oo cm 

CM "+ b^tr 

© b- 



00 CO Ol © © 
■Hi CO 00 CO rtH 

1— i 7-i 00^© © 

rH ©~<M~10""b-^ 

t-i COCO 



Cj 4) 

o S 

S § 

o a 



tH CO CO CO rH 
© CM b- © IO 
CO^IO (M^© b- 

CM Ofr-Tr-T 

rH rH 

m CM 



© CM CO © © 
rH b- rH CO IO 
b- © IO rH rH 

©"b-^rHrH ©" 

CM rH © CM 

rH 



b- rH b- CO © 
© © »0 © CO 
© © © CM © 



lQlO IOCO CM 
rr> rr^ t^^ ^— ^ /~ci 



CO CM CO rH © 
ri lr- IO rH CM 
b- CO b- IO iO 






^ 



a ^ 

□ •" l> ©l OJ 

•S « ^ ,c qs 
tC ^ fn ai-p 
<^ <3 «^ «a^ <^ 



d 
d 
o 

o 

CD 



■ d • • 

o 

cs 5 <» 

>— i CDuh O b/o 

-S rS d ■— I "E 

»50fir3 
C ^ +J "g jH 

C3 CD O fcj c3 



d * 

"t« CD * d W 
(3 W n 2 CD 

ts] C3 >^r=-i o 

.■d O O CD O 

OQOflfl 



tup 



1^ 

• CD ?l 

Wr-3 « OS CS 



_, CD 

S2 3 cd 

^ CS .n O Q 



INSURANCE COMMISSIONER. 



xli 



00 CO 00 

t- 10 ^n 



I I 



tOOOTH» 
rH t- co co co 



<M CO IO IO t- CIO-^ 
CD ■<* OS CO >* TJH CO Ol I 

CO rH CO CO -* CM CM CM 



»0 t- <T. 00 **l 
t- rj- CO CO TTi 

T-^ooc/cTofoo" 



CM ~ C5 lO CD 
■* CO IO lO 00 

ccTco~ 



ClOffilON 
OOlQiOO 
G^t- **# CN "* 
CT GO" r-T r-T 
CM 



00 CM rH CM 

co cc cm cm 

O co io 



1 rirt 



00 00 
CO o 



lO lO CI Oi 00 
OOQOO 



! co i-i | 



OOOMIM 
rH rH COCO O 



r- 1 O CO 
I IrfHO 



t- 1Q CO CO JO CO rH CM Ol 

IO iQ CM GO CM i-h CO GO CM j 

oo oi to cc co r4 co cri 

rH -Hh CM <M CM CO CO 



© CO t- 
"tf CM IO 



I 1 



O i—l CO 
j iq O »0 j 
H<h'io 
CO L- 



CO C5 
JO C5 

OH 
CM CO 



rH h- Ci 00 CO 
CM O rH O CO 
GO rH rH CO t- 



© CO t-lO 

O CO 



CO ^ CO ©00 
rH r- 00 IO CM 

t~ a oo th io 



IO "* coco 

H^OCOlO 
IO ■<* CO 



*# IO 
CO CO 
CM O) 



CO 

oo 
lO 



O IO IO M l> 
CM O •* C~. © 

H^o'rHCo'co' 
rH IO -Hi CO 



O G5 CM © rH 
t- CO CO CO © 
t- rH IO O^CM 

rH y?<Sc$-r4 
© rH 



CO CO IO rH 

S}i 00 © K2 
-* © C7. CM 



t~ © CO t>- 

rH © © t- i 
o>o\co 
<M© 



oo 

■HH t- 

rH lO 



t-ONHO 
O CO t~ r-i jo 
CO^rH IO © rH 

IO CO O-f r-Too" 
■HHiO "tf CO 



© IO CO CO rH 
COCOt>00 
© 00© CO t<^ 

T-H'co'lO~r-rr-r 



CO CO t— IO T* 

o ?qt>oo 

IO IO t^L— t~ 

■rjTco~cO i-Tof 



CM tHh O >0 

CO -rfi C5 CO 

© o^th c^ 

CO"©~ rH 



CM t- 

Ol CO 

co^© 
co"oT 

CO o 



6D 

a 
3 

c3 



OOONO 
00 CO CM CO rH 
CO CO 00 Ol © 



IO rH rH IO CM 
rH CO CO CM CO 
rH(O00H-H 

CM"o"cOTjTcNr 



rH f- rH © rH 

CO CO © CO 00 
CM O t— CO IO 



NrJIcOHH 

rH rH ,-H IO — < 

CO CO CO CM 



. . C3 . 

. M a . 

• +s M » 

+^ a 

CO CO r^ 

-da* 

O C8 fl 
_ (8,3.2 — 

P GO O Eh ^0 

H CO rH rH r— 
U C3 CD CD .rH 



<v 



W.rCi • 

CO -t-i 

CD-P (h Oh 

• PfarM r*, 

SQ:SS| 



' P 
rQ 

co 

<v 

p 



03 



*nS»S 



<H<H 



^ >j 0! co 

"o o drQ a 

t+H _a 53 _« bjo 

° ^.'cS'oS c3 







P 






C3 


• 


• 


o 
03 




rH 


§ 




CO 


TJ 




r* 


d 


1J 


rJ 


«j 




K! 




JH 


ft 


•/. 


fl 






^o 


U 


"0 


Oj 


9 


a 


t — 


O 


>-i 


cc&qH 



>5 

. rH 

P 

rO 



o 

C3r-< 

«*- c3 
c3 P 

VH rH 
f-t rH 

CC cu 
+a h— > 

CO CO 

<D CD 
O O 

rH tH 

o o 



^ ^ 



f 



o 

H 



xlii 



REPORT OF THE 



d 


CM 


CM T+1 


o 


00 




o 


05 — I 




lO 


00 


t- lO 


t- 


C75 


CO O 










S S OS 


oo 


O co 


CM 


'tl 


ft •* °° 


<s 


»— 1 


T-l 


o 

CO 


s « 








93= 


02 it 





















C! 


<* 


O t- 


t- 


00 




CO 


C5 t- 


CM 


t- 


t- 


00 CM 


o 


Ci 


co O 










3 2 O 


t^~ 


CC CO 




cc 


#—1^00 


CO 


•+ 00 


CM 


CO 


£* 3 — ■ 


۩ 


l-H T-l 




CO 


£ c 








€fe= 


CC <U 










a 










* 


o 


00 CO 


■<* 


CO 


05 


t 3 - 


lO t- 


o 


o 


»o 


t- cc 


CM 


CM 












1| 


t-- 


t— i—i 


CO 


»o 


Ol 


00 CO 


o 


»c 


O 3 


&s 


i-l CM 


T— 1 


lO 










©^ 












ij 












X 


00 ■* 


00 


X 




»o 


vz iC 


— * 


X 


cc to 


Ttl_ 


°l C ^ 


o^ 


-r 


cc -^ 

£ & 


rh 


d cc" 


CM* 


o" 


>o 


t- OO 


cc 




o^ 


CM 

9& 


a: os 


CO 


o 
of 

1©! 


-4H O 


1—1 


CC CO 


00 


X 


ei ao 


o 


~. CM 


CM 


-tl 


00 




<N lO^ 


c l 


00 












C £ -h 


t- 


ia S 


d: 


CO 


5 2" 


o 


CO Ci 


-+ 1 


X 


CO 


CN t-^ 


CO 


C7i 


5 8 


m 


co" i>" 


T-l 


^r 




CM 




CO 


bi 


«* 


o o 


r— 


1—1 


o 


T-l O 


oc 


o 






Tfl T-l 


ZC 


lO 


ft r— 












CT. 


OO 00 


CO 


* 


00 




▼H 


t^ 


€£= 


lO 


t-l 


X 


- CO 








m 












O 












O 


o 


o 


o 


CD 


O 


o 


o 


o 


© 


CI 


cs 


X 


C "3 


d 


t-r i 


cT 


.-" 




o 


JO 


o 


o 


cs C 


1— 1 


»o 




t- 


3 * 


m 






m 


a 










"C ct 










c '8 * 


lO 


CO CO 


h- 




lO 


t- lO 


CO 




P fj "S 


00 


X 00 


oo 




y 4> - 


1—1 


l-H 1— 1 


T— 1 




S CQ 










>i 




CD 






fc 


CD 








^ 


.5 


OS 


,—. 




£h 

o 


c3 


CD 

.9 




o 


t3 


g3 




fe 


n2 




% 




o 


S-i 


5 


as 

<D 




"w 




§. 






-5 


-T^> I— 1 


'el 








«l 


=1 


in 




o 


o ^ 


a 


"el 




4^ 


-t-i -, 


o 








.2 

^3 


H 




+3 


o ,c 








< 


m o 


rH 





be 

c 





-T7 


CO 


o 


lO o 


t-. 




_o 


<* 


CO 


Ci o 


TT< 




cS 


o 


CO 


co d 


a 




• 


T-l 


CM 


tH CM 


i— i 






a 


CC 


X lO 


X 




CO 


i—i 


ct; 


t~ CM 






» 


X 


L— 


C75 t- 


CO 




CO 












p 


CO 


*G 


CM CT. 


CM 




CD 

ft 


m 


t- 


t+I r-l 


"* 




X 








۩ 




W 












* 






| 




• 


*_ 




JO 




to 


so 


o 


g 


X 


1 1 1 


00 


.' 5 - ) 














cS 




CM 




CM 


*~ 


M 




»o 




lO 














C 












Si 


CO 




CO 




CO 


S: 


CD 




r^ 




i-H 


o 


"■ _; 


| 


^v 


| | 


^■^ 


o 


O T3 

tJ '3 




X 

>o 




X 




<D S-i 




^3= 




m 


^ 


.tn 










^ 


&y 










~ 












s 


'J. 












a 




C5 




— ; 




"- CD 


i 


CO 
X, 


1 | 


oo 


^ 


s > 

* CD 




o 

tH 




d 


ij) 


1-1 CD 




e© 




S 
















^ 










^» 












g 


*. 


CM 


rf 


o cc 


»o 


_o 


X 


"^ 


cc o 


t>; 


^ 


a 


1—1 


oi 


O CM 


d 


■ 

5" 




X 


CO 


L- X 


t- 














•-^ 












^ 


s 


CO 
X 




H CO 

CC CO 


1 




CD *S 


co^ 


t- 


3*1 IC 




"C 


.5 ^ 


<z\ 


o 


t>" d 


co" 




*" CO 


CM 




i— I X 


co 


3 co 

f=< CO 


m 


1-1 


CM 


tH 

m 




O 












>A 










<si 












«>. 












*^ 




c^ 


CO 


»o t- 


t- 


<r«* 




1—1 


o 


CM CO 


rH 


, S 


<D 2 CD 


»o 


CO 






^ 


c s > 


co" 


l>~ 


X CO 


o" 


i 1 1 


CO 


t^ 


o a. 


CM 




۩ 


1—1 


CO 


CO 












m 


e 






















c^ 












-*»i 












s 


CO 

,C CD 


CO 


c^ 


CO CO 


-H 


^ 


tH 


CO 


T-l t- 


o 


n 


C3 '3 


t- 


L-^ 


i— i X 


lO 




-1 


oc" 


l>" 


d cc 


io" 


50 


CO 


Ol 


CM C 


05 




co C 

O H 

p ft 


۩ 


CO 


lO tH 


C5 




Cj h 










5; 


' — 
























A 


CO 


o 


lO to 


CD 


Ci 




rH C3 


CM 


ej CD 


o 


r) I 


t^ Tt^ 


t^ 


CO 

CO 


o S 


CN 


t-^ 


t-T t-T 


x" 


CO ? 


•* 


CO 


tH o 


CM 


cc U 


9& 


CO 


CO tH 


X 


1 


O — 
H M 

a 








m 


1 

> 












t— 1 












fS 












►J 
P" 

< 


< 

o 

o 












fa 
o 


r-l 

03 


l-H 

03 


• • 


• 




2 ' 
< 

'A 


3 

4^ 

o 


rH 

o 


r-H , 


m 






+i 


+J 


o 








c 


c -5 


H 






<J 


« 


5 H 





INSURANCE COMMISSIONER. 



xliii 



•618T '18 
- 03(i luguured 
-mi jo sn i datis 
jo 9Sniu9o.i9j 



CO © rH © CO OlOH^N tH tC Ci t— CO CM rH Tfl *# rH CM 

N lO N H W OCt^OOrHOO CO r-j © "■* Ttf CO © t- CM © ■<* 

C: N 1Q ri <* © rH ©' <*' •>#' 

COO I H IO JO JO CO Th 



"0881 '18 
"Od(j juguured 
-uii jo sii{djns 
io eSeiuaoaaj 



t- t- -H © CM 

XOOHCO 



oo © t- © 

t~ i-h rH 



"0881 '18 
•09(i i^iid^o 

IO lUOUIJlKd 

-uii jo sn[djns 



rn t- r>- 1- o 

"* © O © © 
i—l i—i CO CO o 

jo^f ©"■*»■" 

JO ONH 
1— I "31 



t- IO Ol CO -# 

CO CM IO CO CO 
C^CO^ i-H <* c- 

©"cO^i-h"©" 
lO^H rH 

T-I CO 



© t- *h 00 © 
t— IO CM CO CO 

jo cooi^t^ 
cc" co^oTt-TT-T 

O) t- IO CO t-I 
CO Ol rH tH 



rH rH h- CO t* 
"-JH t^ © -Hi CM 

CO O t-h CO^CO 

rro"oOHM" 
i— I *±i CO CO -* 

T-I T-I CO 



•0881 '18 

•09(1 SJ9p[OIJ_ 

-Xoiio^ spiu.8 
-9J sv sii[djng 



** t- l>- t- O 

■* cc o cc © 

i— T-i CO CO o 

jo O?©" •<-)<" t^" 

»lOO(NH 
•hi © JO CO 



t- IO « O tH 
CO CM JO CC CO 
© cqr- I -H^t- 

©"co-rji" --<"©" 

lOrjH-OH 
CO © CM CM rH 



© t- i-H co © 

t- JO Ol CO CO 

jo co cm Tt 1 i>- 

cc"©"co"t>r,- r 

CI rH IO X H 

CO CO "* CM CO 



1— I i— I t- CO •*$* 

TT* t- CO Tjl CM 

CO© rr< © CO 

rH ©':c"i-H CM 
rH m CO CO *+i 

cm or »o co i—i 



or 

© 

o 



CM 

© 
o 

©" 

fr- 



'saiiinquT/i 
oj sjass v jo oijrja 



t- CD CO CO O 
lq »C CO O CO 

IO CO OI CO CO IO CO •* © ^ CM id JO* CD CO* COt^Co'cMCO JO 



^•saiJinq'Bii 



ssojq 



fr- CM fr- © © 

i-i t- CC lO IO 

CO CO iO t-h O 

ce~rH~co~co~CM 
© or co © co 

Sfe: »0 rH 



tH i-H CO CO O 
CO X CO CO fr- 

cqcc^cqcc o 

fr- ©"cC © rH 
fr- rH JO CO CO 



O tH CO CO JO 
© fr- CM fr- JO 

i— ' © © © i*l 

co""cc"^cf ^j- 

■* CO CO Th i-H 
■HH rH rH 



CO rH CO t- t- 
JO CM fr- CO fr- 

CM ©^fr-^CC CO 

rH CO 1-1 O CO" 

fr-CO fr-CM CM 
CM fr- 



CO 
CO 
SO 



Ph 



P-I 

13 



(3 


be 

a 



•SJ9SSV SSOJO 



i-H © "# fr-© 

CO CO fr- -H -HH 

t- CO co jq^r-^ 

r-"co"co r ©"©" 

JO fr- CC CM fr- 

JO Tti t- CO 



CO CO JO JO ■* 

CO © TH iO JO 

CO © rH rH CO 

CO IO" CO" i— Tt-T 
CO CC {- "*i IO 
"* t- CM CM t-i 



CO y^ ^rJH rHH *r)1 
© CO "Hi i— © 
t- © rH Tj1 rH 

rH Co"-*"fr^"©" 
t- JO JO CO CM 
CM fr- JO CO "* 



t-CM © JO rH 
© © rjH CO© 
JO CC^^^JO l> 

CM ©CO CM*" CO 
CO t— JO OO © 
CM CM CO © rH 



"0881 '18 -o^a 
31ST.H i/vj ^unouiy 



CO JO CO CO ■* 
JO © © tH CO 

t>HH_CDI>H 

r*C0"cc"©""t^" 

© © CO C70 CO 
CM CO rH rH © 



t- CO ■* IO oo 

© © © © CO 
■H^CM^l--^CO 

of cm" JO t^Ol" 

CO Ttl CO t— IO 

© CM rH CO © 



Ol CO JO oo © 

1-1 © © t- -HH 
© t-^CM^Tj^t- 

co io*"©""co oo" 
i-t co co co or 
co co <* jo or ' 



CO CO Tfi i— I CO t- JO CM 



m 



CO t- © CO CM 

JO © 1— I i— i JO 
^IO CO CO -hh 

©""©"" co of cc" 

JO © © © © 
©_© ^©^CO 

©"" CO"oi"cM 
rH CM © 



'I^iduo qsrjo 



©©©©© ©©©©© ©©©©© 

©©©©© ©©©©© ©©©©© 

©^©©^©^ ©^©^©^©^©^ © © © © © 

©"©"©"©"©" ©"©"©"©"©" ©"©"©"©"©" 

© JO © © o ©©©©© ©©©©© 

CO JOJOCO CNCOCMCMrH JOrJiCOCMOr 



© © ©© © © 

© © o © © © 

©©^©©^©^ © 

©©"©"©"©" ©" 

© © © © © © 

CM rH tH © rH rji 



.5 73 o 

as* 



S>? a S.3 

rH >H O fl ~ 

*• ? +- a^3 

CD O O r 5 



3J rH 



£ «-2 SQ 

CU^r^ 0J 
R -^ G r-j 

aj m 2 t 

-H .^ .53 2 r2 



1> -PrH 2 



1) 

rH 

CS CD 
C3 fl 

<rH S 

gs 

O Sh _ 

C3 CD CD 



■ CD 
rd 

P CD 






'g^Sci 

UH "3 CD„ 

fe a * - s 

> ^ O E c<3 

,2 <Srd a r r< 



o 
M 

p 



o 

H 



xliv 



REPORT OF THE 



*£ 



.5 > 



I 1 



I I I I 



I I 



COON 
t-; O O | 

CO CO o 
b- CO CD 






o co fr- 
ee oq o i 
oo t>^ t^ 

»0 CO CO 



lO CO o 

! C75 11 | | 00 

r- 1 i-i id 

io co »o 



•<s> 

C3 

a 

is 

OS 

O 

O 

HO 

S3 



CC 
to 
to 
<U 
35 

S3 

CO 
CO 



.= > 
Ph-M 



i— i IO H 

00 r-( tH 

Ci CO CO 

0TrH CO 
lOHCO 



i g 



tH i*l IO tH 

IO b- CO i—l 

co^ »o„t~ c^ 

1 ' it? r-Tlo"lO ' 
00 K) CO 



C5 CM 

1O05 



CO H C7> 
CO © CO 

^i-Tco" 

COCO CM 



I I I I ,-r 



10 35H 

ooo 

© CM IO 



I I 



i+iO 
CM H 
CO CM 

1 co cT ' 

IO CO ■ 
CM 



00 CO i—l 
10(MO 
CO JO IO 
TH rH o 
OlC-lH I I 
rH fr-eO ' ' 

icf csTt-T 

<=# © 



CM 

Ci 
OS 



I 1 I 



OCM CM 
b- CM IO 

ocfioco" 

(MHN 
CO CM -TH 



CO © 
O O 
r-i IO 

i lOK I 

1 r? ^ i^_ " 



CO 

cm" 



m 



«* 



5 -a 

5 a; 

.3 > 

S '55 

5 o 

£ <v 



I I 



b- . © CO CO IO 
b- I CO CO CO icH 



IO IO >o 

CO I I 10b> 

t-^ CO CO* 

CO CO CM 



CM CO CO CO >0 
fr- CO CO CM CO 



CO O CM CO O 

ci i co o; co co 

CO CM CO b-^ CM 

b- io io © © 



HH- 






tH H CO 

i*l © CM 



o © b- jo cm 

CM CO 11 OS H 

O «3I>CCH 

© IO CO t^CM* 
CO b-00 »0 CM 



O CM CM CO CO 
OtHI^COiO 
•H^b-^C© OO^H 

©"ioco"cm IO 

IO © b-rH © 
CM 



CO 
CO 
H 

co ' 

CO 



CO CM CM »0 

CO lO O CM 

i-^© CO CO 

cTh»o" 
©CM rH CO 

»o 



Ci 
© 
CO 

exf 

CM 



i i 



rH CO 
CM CO 
rH CO 

coco" 
CO CM 
CM 



© © O CO © 
H CO O rH CO 

00 H H v. IO 



CO b- CO b- O 
O C75 rH CM H 
CO © rh b-^b-^ 

b-^CM~00"io">O 
"* O CO 11 H 
CO i-l tH 



© O COCO © 

C5 iftOilOi-l 

11 COCS?ll> 

co" ' of co ©"r-T 

O 00 i— I i— I CO 

l-l rH © l—l 



»o 

CM 

■<* 

oT 

CO ' 
CO" 



Oi CO 
I CM tH 



CO CO 05 CM CO 
i— I i— I b- CO C5 
b-^CM'COfH'T^ 

co"^oToio 

CO tJh CO CM 11 

CO 11 CO CO O 

co"co"oTio cm" 



O b- i-l C75 OS 
CO b- CO IO CO 
O CO^CM CO O 

idco"co"»o"co" 

C3 CM lO CO CO 
b-CO C3 CM 11 



t-i a n th oo 

O 00 CM CO 00 

b^ a i, t ^ c ^ r "i 

co" OcTb-Tco 

CM I OHrtO 

CO ■ CO CO rH CO 



CO 
CM 

»o 



5 cs o 

fi CDHH 
O H 

as 

H © O O ^ 

<lfqpQOP 



cd 
r" ® 



DO 



3 ^ 
S SB 



Fire 
nal 
f Bo 


2^ 


.. « O-M 


C CO 


rem en's 
rst Nati 
anklin 
ouceste 


CS c 


C3 CD 


fel^feO 


£2 



d d 

c3 cS 

CP.in . 
(-1 U 
• - <p 

3^: ° 

CD O gj 



CD 

d CD 

^ a * 

CD a CD 

>£ o 

• C5^3 



d CD 



"0 S 5 

C3 -hj 



CD^ bJC 

•S'C M 

fH cS cS 



& H^ 



o 
H 



a? 



INSURANCE COMMISSIONER. 



xlv 



■fl S3 "3 



O fl 



.3 > 



P« M 



o ooo ooo 

o ooo ooo 
o ooo ooo 



o 

o 
o 



O ' O O rH OO CO ' O 
CO IO CO CM <M CO lH 



O OO OO 

o oo o o 
oo o o^co 

©~o~©~©~o~ 

IO rH CO CN OJ 



o ooo o 
o o o o o 

© © © © <o 



o 
o 
o 



00 CO © 00 t— 

CO O" t^ rH CO 

01 OI rH CO rH 



OI 03 rH rH OI CO 

© OI CO Oi ©* O* 
tH H H IM CO (M 



O CI lO H o 

^oaoci 



t— i •— I o o o 

10 03 10 100 



OT iH Oi lO OO 
rH rHCO rH <M 



IO rH Oi OI IO lO 
rH i-t r-i co rH cq 



ft 



f3 £S 

s S § 

« 2 G 



^ 


9) 




S 


o 






Tl 






o 




o 


x 




M 



CO Oi lH rH Oi 

O CO Oi o co 

CO CO CO lO CO 



t- CO i— I CO Oi 
CO rH rH CO OI 
rH i-^CC CN^O 

CO t^t^nfoT 
rH rH CO OI 



CO rH CO I— CO 
^itJCOOOl 
rH lO t— O Oi 



OHOCOMO 
10C5HOC.I0 
JO^OT^JO CO cc © 

Oi* GO~ 0"f Of OO rH 
rH 00 O tr- 
CO 



O 

co 



<=£= 



Oi "rH OI i-l lO 

COOONO 

rH r-j© qo^ 

i—i io od~io co 



O OI i-H Oi CO 
rH CO rH br t— 

00 r-t CO IO lO 



I o io 

OI rH 



-*HOXN 
Oi CO CO 00 rH 

o o. o t- »o 



1-1 ■* rH rH CO CD 

ho:i>io ^^ 

©~—T rH CO*" CO 10~ 
UNCJH | rH 



hrMOQH 

ecoooooio 
©_co t-^co »o^ 

co"oo cc"rH co* 

COnHOilQ 

i-l co oq 



t- t- 00 i-l 00 
o »o 00 CO — < 
JO t- CO Oi t-r_ 

co'of ofoo't^ 
oi lont-^ 



O CO CM iO rH 
»0 CO OI Oi rH 

co"io rn~co co 

•* rH X IO CO 

CDCM r-l rH 



CO »o CO CO IO t— 

H (M |> IO CO CO 
O IO © 0]_rH © 

CO*~t— O Oi IO iO 

CO rH CO Oi CO t- 

i-i co oo oq 



Oi 
1— I 

rH 

co 
t- 

CO 

rH* 



Ph 

t3 



s3 


<i) 


U 


3 




o 


en 


a 


o 


a 






O 





CO CO t-o o 

Oi CO Oi CO tH 

i-rco~rH~ oTo6~ 

CO CO CO Oi rH 
i-l t- CM 



t- IO t- OT O) 

rH Oi rH CO rH 

CO IO IO CO rH 



rH CM t- rH OI 
O rH Oi rH O 

CD^OrH^© 

GO COCO^O'co" 

O OI CO t- CO 



OI O t- t- CO rH 

O N H C. IO O 
Oi^iO^rH t-^Oi O 

oi co~of of exfi-T 
on co »o rH oq oi 

i—i rH O 00 



a 



*"h M 



ca 

P 

o 

o 

pq 



H «> 

i— < M 

"cl O 
o'jo 



Ph 



Pi 
O 

-4-1 

w 
o 

cs'pq 



CD 

.3 

'tH 

c3 

•*H ©^ 

CU ^j ij 



°Orl P^^ 






O cu 

•lH SH 



h ., rr: cj 



P rj H 



I 



a 43 cu 



-i o 



2 7! PhK 



c3 cu a; 



r2 S 



rP 

? S s 

PhCCc72 



03 tw 

fH-g 

Pr3 

! as a 
1 cu 

CUuh 
•Jh^ 



r— ( Cj 

CU. 

CC w 

M c3 c3 



o 

H 



xlvi 



REPORT OF THE 





•6181 


Ol © CO © b- 


rHHt" CO 


i-l © © Ol © 


© © b-*# 


CO i* CO ■* 




'18 "09Q JU8UI 


GO b- b; X Cl 


©CM CO -^ 


JO i— 1 © X i-H 


© Ol © b; 


© ; b; CC © 




-JTBdUII JO snjd 


lO © © © iH 


(NNI> ' ©* 


©* oi co t-" oi 


©CO* ' CM i-i 


©" GO © © 




b- OO tH b- CO 


■* rfrl iH 


i-i i-i X t-|JO 


b- JO i—i © 


© Tfl Tfl 




-jns 10 eStejuaojaj 


7—1 


i-l 


CM i-i 


i—l 






■0881 


X b- CO CO i-l 


00 CO lO lO 


CO rf D- © © 


CO © i—i CO 


CO- © CO © 




'18 '09a ?U8UI 


© ~ | CO ■* b-; 


•* CM Cl CM 


© JO b; OJ X 


JO CO © © 


CO © © b-; 




-jredrai jo snid 


CO* O •* CO Cl 


X © 00 ' CO 


OT -)* —* 00 oi 


© X ' 1-" ©" 


oc i-" »o oi 




GO O CM CO CO 


JO © 


Ol © t- X JO 


COtH CM "i-i 


© CO ■* 




-jus jo eS^ueojaj 


l— I i— 1 


1—1 


CM r-l 


^ 










-1— -W- 


<jOn 


= tr= 


$ 






b- CO b- © CO 


iqOhioh 


CM ©..tH b- © 


b- © © Ol © 


© -j X © 




•0881 '18 "03a 


t -)" !£ C O 


i— I <# © JO © 


b- i-i JO Ol «* 


b- © © Ol © 


JO CO © © 




JO Cl^Cl^CM xf 


© © © CO jo 


©^©^jo^cm oi^ 


©/© i CO > i-i Ol^ 


© X Ol JO 




I^iid^o jo }U9tu 


©"— "x"©"©" 


co*©"b-*"x ©" 


Tt*~co*~ro*")orof 


CO*"© rtT©"~© 


co"jo"i-i' jcT 




-jredrai jo sii{djns 


<r c ^ c i- 


CO t-H i— 1 t+i 


-COS^OOCO 


b- © © v-i © 


JO t~ X 




© ci t- oi 


CM © CO 


rji^iriHrl 


i—i i— i Ol i— i 


CO 






of 

33= 


i-T 




i-l 








b- CO b- © CO 


CO © i— 1 © i— 1 


Ol © -f b- © 


b- © © Ol © 


*+ — X © 






^^ffiCO 


© t+i O CO © 


r^ i-i jo cm Tti 


b- © X Ol X 


© X © © 




'0881 '18 - »»a 


lO^CGCl ■* 


©^©^COIO 


© © lO CM CM 


©^jo i-i i-*_ 


©00 o^©^ 




sjapioij-jionoj; 


o— TcxTocT 


■H-o't^cf © 


-t~CO C0*~I-O*"of 
■* © -f © X 


co"©"co ©"© 


©rjo'i— "jo~ 




eo-f i.": b- 


CO -f — t— © 


b- © © i-i rH 


Tf © I- X 




spj'BSaj su siijdjtiy 


^v^ ^^ N 


© ©Cl b^Ol 


© b- CO CO CO 


CO Ol b~ Ol O! 


IOC0 oi o< 






iff i— i 


l— 1 CO 




i-T of 


i-T 




•sawnTWi 


Ol i-i O I- o 


«+ © Ol © CO 


JO JO »- J JO X 


t~ b- b- Ol © 


© © X CO 




^ci>oo 


JO © i-; Ol © 


JO JO © Ol JO 


© Ol © © rP 


© 00 x* CO 




o% s^ssy jo oi^a 


<* i- - © CO* Cl 

1— 1 i— 1 i—i 


© CO ©' CO "<* 


tj° JO b" ■* JO 

i—t 


b* CM © •«*' of 


CO rl" tH JO 






COflCCOCB 


i— 1 l>- O- l>- b— 


HOOWOO 


CO Cl Cl h o 


X b- -+i X 






CO © CO i-i Cl 


it rf H Cl C 


© X © CO X 


CO i— © © X 


T*< -H © © 






i— ' i—i O 00 CO 


© © JO CO JO^ 


CO Ol © X CO 


©-^b-^Ol^ 


b-^b-^©^© 




•sarnn<l'Bi r i ssojo 


^©~©*io~of 


©'"h of © of 


I-*""* of ©"co" 


jo"-^co ©~©r 


bCO" x"jo" 




JO TJH CO © CM 


C © Tf CO JO 


CO N lO Cl CO 


JO CO CO — © 


i— b- b- © 






© i-H Cl 


ri JO CO 


1-1 1-H 


CM i-i CO © 


JO 








co' 




i-T 








CO 00 O CD Ol 


*t b- 00 b- 00 


CO © ^H © x* 


JO Ol X CO © 


Ol X Ol X 






b- O JO o o 


© X •— iC © 


CO © i— 1 © CO 


i-i i-l Tf 60 © 


JO © I— o 






© — i c — « 00 


© X -f CO © 


rti X © © © 


© 1— CO CO •*+! 


© JO Ol JO 




















«+ Ol 00 © i— 1 


Tfi jo © X © 


JO b- JO JO JO 


© © Ol © JO 


t h © i-l 




**spssy sso.iq 


i— ' ■«* 00 i— ' O 


^ -r v: c c 


Ol © © Ol © 


oi co -+ oi jo 


© x -r jo 




CO^rtl -# X CO 


© IC Ol ©.Ol 


X © CO •* •* 


t*i io x jc^x 


©_CO CO CO 






t-*~ l-T 


r-i ri CM 




t-Tco" 


of 






€& 


r-1 












©CO tJ" © -fl 


00 i— i i—i T+- JO 


i-i JO JO © CO 


N « N C 1- 


Ol i-l X Ol 






rfi rH i— I 00 CO 


© © CO r 


© © b- © »H 


T* © CO © l— 1 


© JOOI © 






(N l> t^ C. CO 


© L- CO © b- 


JO © © © T« 


JO 1—1 b- CO JO 


© t- Ol i-l 




»o jo CO CO Cl 


Tf © X i— i ^f 


t^ -+ Ol t^ © 


b- b- X — © 


JO Tf © © 




'0881 '18 "o^CI 


b- b- 00 O CM 


*+ CO © X lO 


© © CO JO tH 


© CO © i-i CO 


CO — © © 




3isrji jb ^utiouiv 


rf CO C CO i-i 


Ol — - b- Ol JO 


X CO CO i-i b- 


© CO Ol b- b- 


© i- I- Ol 




© © x © © 


X JO JO CM br 


Hff.KJr«10 


© © i-i CO X 


© X Ol © 






b- CM CM 


CO CO © 


CO rh i-i Ol 


1— 1 Tfl 1—1 JO © 


CM i-H CM 






CM 

m 


1-1 




CO 








© © © O O 


© © © o 


©© © © © 


© © © © 


© © © © 






©© © © © 


© © © © 


© © ©© © 


©© © © 


© © © i-l 






©©^©©^ 


© © © © 


© ©©_© © 


© ©_ © ©_ 


©_©^© ©^ 




"I'Blid'BO qs^o 


©"©"©"©"©" 


©"'©'©*' ' ©" 


©"©"©"©"©" 


©"©" ' ©"©" 


©"©"©"©" 




o © © © © 


© © © © 


© © © i-i JO 


©© © © 


© ©© © 






© CM © CO CM 


•>tfi ■>* CM CM 


OICO Ol CM CM 


Ol Ol ©,©^ 


COCO OlOl 






CO 






i-f i-T 










c3 






c3 




a 

o 


'm 


"S CD 


' X 'XM 


'mm 'm 


'—CD 

7^'+^> oM 






rr*. ZT. t-i 


s-i rr. U U 


h ^rnh 


~ (S 2 h 




o 


^ o t> !? 


w Yo 
iladel 
Dvide 
w Yo 
ffalo 


ffalo 
w Yo 
Loui 
w Yo 
w Yo 


^ c o g o 

^^C>H 


Philadel 
Cincinn; 
Provide: 
New Yo 






03^ CD ^ CD 


CD ,3 £, O 2 


. ^ CD • CD CD 


^ CD CD 03 CD 




>* 


. . <u 








**"a 








d . . . . 


ccj 

CD tjj <D 
. U C3 vi . 


CD rri • 

o3 C 5 
02 03 g 




o 
o 




CD CD 03 r-J 
.b .tj CD -u 


o Germa 
is' . 
is' . 
ire . 
a 


E^E 


elaware Mut 
nterprise Fin 
qnitable Fire 
xchange Fire 




o 


can . 
can C 
can E 


can F 
can F 
ic Fir 
;ic Mu 




erce 

ercial 

ercial 

ctieut 

tental 




eg c ■£ *n *s 

c C3 <D CD CD 

*=£ a a a 
™ <j <j ^ <\ 


meri 
meri 
riant 
tlant 
uffaL 


uffal 
itizei 
itizei 
ityF 
linto 


omm 
omm 
omm 
onne 
ontii: 






«<<tj^<}pq 


fflOOOO 


UOOOQ 


GKHW 



INSURANCE COMMISSIONER. 



xlvii 



a t- © x © 
10 co 01 01 co 



co i— io co 10 

CO TO GO -* 00 

CM 1— I 1— | 



IO CO X CO © 

c -r co oq © 

CO i—i t-i CO CO 
CO i—l 



t- CO CO © CM 



tH CO -H t- 
Ol t-; 00 CO 

co ' i-4 c6 o 

Ttl 1—1 



CO rf © i— ' © 



r-i CO Ol © CM 

COCIOt-X 

CM i—l i— I 



CO © CO CO -^ 

io © t- © oo 



CM IO CM CM — ' 



C. -H lO CO 
IO i—i 



t- CO — IO t— 

CO t- © © 0O 

CClO't © "* 
CO Ol t- iC © 

© IO 



00 NO O CO CO 
Tr 1 io -f co X 

oi © io co © 
lO-Pr-* - —■'©"' 

CO ~ "M CO -fl 
X © I- IO 



© CM -H © CM 
i— i iC CO CO © 
t^.'-^L— IO CO 

cTt^ cm" i- io" 

Ol 00 CM X -^ 
lO t— i—i 



b- © O X CO 

r-CI-OlM 
T-H 1>^0C — CO 

co ©~x~©"©" 

rf lO ■* CO CO 
lO H •* CM 



© i-t- 00 --I © 

co *o © © co 

r-i lO CM CO IO 



t-- CO — lO t— 

CO t- — © oc 
oo -r o co io 

©"io o"©" •& 
ni-co^ 

■Tr 1 t- «*i CO O 



00 lO O CO CO 

tH io t :c co 
oi^io © ©^ 

©" "* t-^ i— CO 
CO © Ol CO rH 

CM Ol ri t- 00 



© oi -h cr. oi 

— CO CO co © 
t— Ol l— lO CO 

©'© oi"t-~io 

Ol -f Ol CO CO 
t- t- Ol Ol CO 



b- cr. © co co 

i-H CO i-i © Ol 

i-^t- oc^-^cc^ 

co ©"co ©"© 

-+ IO -H CO CO 
CM IO © •* •* 



© © CO i-l © 

© © © © © 

i-^CO CM © IO 

©"co"of©"© 

i— I © 00 CO i-H 
CO IO Ol 00 CO 



© CO © io 

TH — IO CO 

© © 1— I © 

"+"of©"©" 

CO © CO CO 
CO CO CM CO 



a 


no 


ITS 






o 


m 


© 




<M 


£2 


m- 


o 








p< 


&J0 






CJ 


Tl 


w 


a 




Bi 








m 








3 




O 


© 




o 




o 


^i 



b/3 
c 

"3 • 

c © 

S3 ° 

° ^ 

•— co 
u .- 
m g 

c^i CD 



CO 
rH 



i-i CO «* co © 



i— i lO © b- ©• 

lO i— i © lO © 

i-5 co •* co co co io en oi co co' «# oi ci co" co" oc" co' <* i— © co *# 



© 

© 

Ol 



r- -f Tt © i-i 
© lO L- ©^53. 

1-T-+ i~ co -r 

IO CO i—i ^ i—l 

cm" 



I— 00 lO © 00 
XNOCIN 
l~ t-^X Ol CO 

c"x* ©"©"©" 

IO © I— © © 

00 00 IO CO 



IO CO Ol CO © 

— ^©^© co^iq_ 

t— t^ © IO © 
© X IO <* IO 

CO CM IO Ol 



t- © TF 00 IO 
CO 00 t^ Ol CO 

©^©^©^oq^cq^ 
CO io co"©"©" 

© T-t © Ol © 

tH i-i CO CM 



© © © © -H 

© © r- © »■ 

© co^r^c^co^ 

co"i-^t— "©?o? 

CO 'ti CO © © 



«* © Ol lO 
© -f CO — I 

T^"-o"©"t^ 

lO t- Ol lO 

CO CM 



i-l CM CM 





to 















lO 


c 






to 




eo 


u 


CM 

as 


H 


to 


T3 


€& 




bn 




C 


an 



Cr. 
co 



1C I— X — — i 

rl- t-h CT — C 

©. ©^x o v x^ 

t-' ©" or -.-" x" 

© 1- © © © 

© t- IO •* CM 



JO CO IO Ol ^f 

c^t^^r x^co 
oTco"x"— "co" 

o i © © © IO 

CO i—l © Ol i—l 



lO © IO 00 i-l 
© — X t^ 1^ 

X CO © CO X 

© co co'co"-t^ 

CO CO I— i-i Ol 

©^©Ol x/©^ 

i-Ti-T i-Tco 



H* IO rf" © i-i 
IO IO X CO © 
©^C-^l- ©^>* 

©"ifTofio ©" 

rh h- i— i © © 
CO © X Ol c- 



lO © t^ © © 

CO © t- © Tfl 

CO © ©^l-^© 

t^Tf"©"oror 

IO rf Ol Ol © 
O-l IO CO CO Ttl 



CO © Ol © 
^lOCClO 
»0 '•£_ —^ -* 

©"oc"©* t-^ 

X © lO © 
© -* Ol © 



X 
IO 
U3 



T-H Ol Ol — CO 

© -H © IO © 
© IO © L- © 



IC © lO Ol X 

© © -rt r~- IO 

i- C IO — CO 



t- 00 © -H © 
i— t- © CO IO 



© t^ Ol © Ol 

P t^ r. ^ x 



H" © Ol I- 
IO © © © 
Ol © 1- 01 



© -t- -p 1 1 

lO rt" -+ 1 © — i 
i f © X lO 



© L- Ol «+ i— 
X © Ol IO CO 

© X Ol X i— 



© i-i IO © IO 
X -f © -. <o 

© T*- C t- ~1 



X — © -+ © 
© X IO © Ol 



t- © ■+ I— X 

CO X -+i t— *+< 

Ol © O X CO 



iC CO X 
CO >o 01 

t- i— CO 



-Cl-CCt- 
Ol tJi 01 n OO 
CM 



IO -t- i-i © — 

r- IO CO 1 Ol 

CO Ol 



a 






lO 




-f 




05 


'li 


iffl 




rs\ 




00 




a* 








he 


f»n 








o 


03 




'.. 










m 






^3 


5D 


o 


.£ 


Ol 








w 


- 


111 



© 
© 
© 



© — © © © 
© © © © © 
© © © - © 



o ©ox©© 

© C iC t- IO © 
o« io I- :0 Ol io 



© © © © © 
© © © © © 
©_^© ©^©^©^ 

--r ©©"©"©" 
© o © © © 
oi ■* © © co 



© © © © © 
© OC © © o 
©_© ©^© © 
©"of©"©' ©" 

C © © © lO 
1 © Ol lO 1 



© c © © © 
© © © © © 
©^©©^c^© 

©"©"©"©"©" 

c © © © © 
Ol © lO © Ol 



© © © © © 
© — o © © 
© © © © © 



<_' '_' J- W 1_J 

Ol Ol Ol Ol CO 



© © © © 
© © © © 
©,© ©^©^ 
©"©'©"©" 

IC © © © 
CM CM OO ■* 



o 

CP 



*.5 . . . 

"c. e J 3 ' 

"aJ C3 O r* r^i 

rt^.5 2 * 

©3 S cj cS ai 



cj 



.5 «: 



?1 "* 5-1 ^i — i 

c "J o o ^ 

-- .i-i P- P" -i-l 

03 " 1 CD CU i- j 



«! r^ >-l K-1 £ 

c fe i: b t, 

<v "^ "^ "^ 2 

©; CD CU 03 C3 



^ii!^©-c5 

o oo'J'j 

r* 1 k^ fH rz rz 
03 0) 03©; ©3 



J^ ^ ^ JaJ isj ,bs! ^ ^ 

FH 5i M f"i — fnfi^ 

ocooo coo^ 

^•^b^^ p: ^ p- s= 

03O3O3O3O3 03030303 

£££££ ^^Sz;^ 



° s 



o p. 






w 



*C| 



cS 



• 9^ 
03 '43 g 



q _«3 t» -/3 r/3 

CC "e '— '- 'H 

"^ 5 2 5 3 

03 03 03 03 03 

^ _si j-i ~ u 



• 03 
CS 



c 03 ©; 



<j *£ 



fi ^ CD 03 



CS OJ 






2 S © 

Si d £T 
CD 03 © 



■r. 

C o 

03 CD 

5o 



13 

CD 

M O 
■V ^t^ i - ! 



© B 
6J « 



o3 
' . o 

O 03 
^ C3 
OC/J 



O c3 OS 



C o o 
a 03 cUU 

fcj = £ • • 
o o o £ <£ 



a a 



o 

Mi 

C CD 



^ 



pq 



^ 



08 





C 


• • 


C * 03 » 










u 




u c3 


CC ;—: 


"S 5 cj"cj 

C O (_ i- 


a3 O 


OS CS 03 03 


r^Hl 


f^f^f^^ 



xlviii 



REPORT OF THE 



•6181 


o 


t- r* Ol CI © 


>o CO lO CO © 


lft CO Ol lO © 
CO O © CO Ol 


CO N- i-H Ol 


lft 


'IS 08(1 JU8UI 


CO 


ClHCOh-* 


© © CO © CO 


iq co co «* 


tH 


-.itedmi ao snid 
-aiiy jo 8.rfBjuao.i9j 


t~° 


ci rt" ci © © 


CO" i—l CO © CO 


tar co "ti © 

© CM CM 


1 ©" T* — ' co" 


© 


CO 


rH 'Old 


rH rH 1ft i-H CM 
i~< tH 


© <H1 © i-H 

1-H Ol 


© 


'0881 


o 


Ot-»-H^ 


CO t- © © Ci 


© 1£5 © i-l CM 


CO lO CM -H 


CO 


'is ~^a ?u9tu 


1—1 


OlOlOOO 


O CM lO rH i—l 


b- ri rtj © iCi 


CO lO Ol in 


rfi 


-aredui[ jo snid 
-jiiy jo oSe)U80J3j 


>o 


m oo ci 6 o 


CO rH CO "ci 


lO co" * ^ CO 


1 ^H -rfi — ' © 


rH 


CO 


rH T-H 1-H t- © 


CO CO rH 
1-1 1-* 


i— i CO CO 
i—l 


i— l 1ft <M i— 1 
CM CM r-H 


© 












-t— H-+ 






<N 


CCTTHN 


i-H CD CO © t- k 


i— 1 t- CO i— 1 i— 1 


CO lO I— 1 © © 


CO 




o 


^iO©iOQ 


t- I— t— CI C— * 


Ol © CO CO i—l 


CM t- © © © 


lft 


'0881 '18 "09a 


CM 


© i-^i-h C^i— 1 


r- CO^CM CO lft^ 


i—l t- CM © © 


©^©^©^CO CO 


rr^ 


l«}id^o jo jueui 


© 
t- 


©~t-*" no ©*"©*" 

CO CO CM CM CM 


CM*" lft~ i-T t-" 1 

1- CO t— rH 


t-""iO r-Ttr cm* 

r- © © CO 


1ft CO © rji"©" 
CO Ol © CO CO 


co" 

© 


-aredtuj ao snidans 


i-H 

3? 


rH i-i 


CO r-\ rH 


1ft CM 1H 


CM ^ i-H CO 


1-H 




CM 


O CM CO —i Ol 


T-l CO CO © t- 


Ht-MiHH 


i-H 1ft -h © CM 


CO 




© 


— lO CO ift © 


t>l>t^CNb« 


CM © CO CO tH 


1ft I— © © CO 


lft 


"0881 '18 •oaa 


<M. 


Ohhmh 


rH CO CM CO^lft 


i—i t— CM © © 


^_ro_(»i« 


rH 


S.I9P1011»^0I10J 


© 


cc nicoV 


Ol JO r-To^lr-r 


t-*tCj"-H|> of 


cTx'd'Tji'H 


CO 


c— 


CO CO CM CN CM 


— CO CI © rH 


1-H © 1ft © CO 


CM Ol © X CO 




spa-BSsi su snidang 


CO 


CM CM CM 0_CO 


CM ift rH CM t- 


CO © CM CO © 


CO © CO CM CO 


rH 








i—l 


i-h" 




•gatnnq^ti 


© 


CO t- rH O rH 


CO rH t~ lft ■— 1 


© i— i i— I lO © 


© i-H © Ol © 


© 


CO 


c© co i— © co 


Ol CI 1ft t- CO 


Ci lfl CM © © 


CO l>- Ol lO CO 


CM 


OJ SJ9SSV JO OIJU& 


CO 


co' cm' rH ift CO 


CO rH CO* lft CO 


CO co" CO ift rji 


C0 l>" © CM CO" 


lft 




,_, 


co cm Ci © © 


•^ Ci i-i lO ■* 


© © t- CO © 


© lO Ol © © 


© 




CI 


© co © ift © 


t- i-i cc t— ■»+< 


CM CM O i-H t- 


iHlHt-t P 


i-H 




o 


Ci CC t- CM CO 


i— lO © -h CO 


CM lO © O © 


© © Ol i-h rfi 


lft 
















•seijtn^'n ssojo 


© 


© CO tH CO CM 
© t- t- © i—l 


lO © ■* Ol © 

© CO CO •* -+l 


t- -^ CO © © 
© Ol — i © t- 


© CO !^ © r)H 

© © CO <# rH 


i— ( 




©1 


r-t CM r-i 


r-11—1 -M 


i—l ^f 1~4 i-H rH 


Ol CO i-H 


1-H 




CO 


CO -+< lft © Ol 


id lO <* lO iH 
■^ Ci CO C CM 


i— i t- © rf i— I 


© © CO © CO 


Ol 




CM 


t— co © i-i co 


*+> cc © © co 
CO CM CO i-i 1ft 


t- CM © CO I— 


t- 




CM 


Ci rH Ci ift © 


CO i-l CO "* "* 


rh co co © © 


© 


















"5 


'" © © CO CO 
00 i-i C CM CO 
CO rH Ol Ol^rH 


t- © lO O) CO 


•* © -h 1^ CO 


lft Ol © i-i lO 


© 


Vsjassy sso.Tfj 


CO 


© CO 3C 't 1 CO 


CM © © © lO 


CM Ol "* CO t^ 




rH 


CO L-- O Ol CO 


rf ■* CO ©,CO 


i-^t-CO i-i rh 


© 




€& 


i-i 




1-H 1—1 


i-H CM 






O 


© CO CO © © 


CM © © IS- *H 


CO lO t~ Ol CO 


CO ^H t- t^ Ol 


© 






CO rH CO 1ft CO 


•+i CO CO CO © 


CM © © CO CO 


^ © © © © 


© 






CM rt» b- 1Q CO 


CO lO CO lO CO 


OT t- CO © © 


co rr co oi © 


t~ 
















•0881 '18 ^a 


CI 


-H t- CO © —i 


CO t— CO CO CO 


CO i-i © 1ft © 


© rf © © »ti 


© 




lOCI -t-OOiQ 


© lO ^ti lO CM 


t- CO CO m © 


© t~ lO -f rH 


lft 






c-iK.c-ia © 


t^ CM_ © CO rH_ 


t^CM lO © lO 


co t— ©_co © 


CO 


>l9t}£ }13 jtmouiy 


cT 


©""©*" CI Of ift 


ororco'co'co" 


co i-Tth i-*icT 


CM l>*t- ©'©" 


lft 






rH CI i-i CO CM 


iHCOCl rfl 


Ol CO i-H CM CM 


CO CM lft CM 


i-H 




O 


o ©© © © 


© ©© © © 


©© © © © 


© © ©© 


© 




o 


o o © © o 


o © ©o © 


© © © © © 


© © © © 


© 




o 


© © © © © 


© © o ©© 


© ©© © © 


O © © © 


© 


















o 


© © © © o 


© © © © © 


© © © ©© 


1 ©©©© 


© 


'rejtd^o iis'bo 


o 


©o o ©© 


© lO lO © © 


© © lO © © 
CO in CM © lO 


©©© © 


© 




CM 


CM CM CM © CM 


CM CM CM CM CO 


CM Ol ^1 CO 


CO 




¥ 


0J • . i 


'£■¥¥ 


G CD • 
^^4 > CD 


.5 


; 


1 

o 


o 


5 2 o u o 


MX © S3 


P, ;_| <~ |y< r— ' 

o o c-^j s 


o'-o o^^ 


JH 




g CDtf 03 a, 


^ ^ S £ £ 


NewY 
New Y 
Waterl 
Milwai 
Hartfo 


b. ■ ± b.- « - 


o 

-(-3 




CD 


ap CD 05 CD OJ 


CD CD CD _CC CD 




2 


piH§pqffi^ 


^i^Sz^ 


£££PL,& 


H 


h 






CD O 


05 

a 






fc 


• 


• <••'£'■ 


• •£+* 


' ' b .2 * 


• • • • • 


• 


4| 






^ o h 


+^ 


CD 




O 


. 


i . . . . 


, cdW CD 


03 


r— 1 




fa 
© 

6 


"so 

03 

o 


Tenants' 
riden Fire 
tional Fire 
tional Fire 
tional Fire 


wark City 
wark Fire 
w Harapsli 
\v York an 
w York Bo 


w York Cil 
agara Fire 
rthern . 
rthwestern 
Lent 


ient Mutua 
cific Fire 
rk Fire 
nnsylvania 
ople's . 


u 
o 


CD 


CD CD C3 03 C3 


CD CD CD CD CD 


CD.h O O u 


SH C3 03 CD CD 


CD 




H 


££££6 


&££££ 


"A^AKO 


OPmPh^Ph 


Ph 



INSURANCE COMMISSIONER. 



xlix 



oo © co © 

CM JO CM © 

CC O COO 
CO 00 1— I CM 



CO tH b- © jo 

CM O © © lO 



CO © © CO 00 
IO CM lO © CM 

© -* ^ CM* CC 
TH tH ■* CM 



•*ooo 

1— I JO CC 



b-© ceo 

ON1MCO 



© CM © CO rH 
r- 1 CO -^ 



rtf ■•* b- 



00 CC t-co 
© c» © cm^ 
© oTco'b-*"' 

CO JO © CO 
CM O 



t— t— t- 00 ^ 
CC lO CM 00 r- 1 



© lO lO © b- 
lO CM L— t- lO 

CO 1C1 "3^©©^ 

Crr-^co^t-^i-T 

^H CM iO CM 

1-1 CM 



b- CM © © © 
© © rM -ti tjH 
O C^CO^OO CC 

co~'-'"co*©~'-^ 
CO © CM CM © 

1— I T-l ■* 



Old t- 

IOHH 
r(Ht- 

rfb-Tt-r 

CO <* CM 



CO 



CO CO t-co 

CO b- «* tH 
CO 00 O CM 



JO © CM lO tH 
O 1-1 b- 00 ■* 

CC lO CM 00 tH 



CC IO IO © b- 
JO (M t- b- lO 

00 lO ^H CC o 



b- CM CO O O 
© O "* tji ■* 

O O0 CO 00 CO 



OKJt- 

Hnt» 



© CM CO b- 

CO JO © CO 



b- CO CO CM JO 
CO CM CO CM b- 

CO CO CO CM CO 



C ■*! X N H 
Tti CM JO O CM 
IO CM iO CM t- 



CO-hCOOH 
CO © b- CM © 
CO CO CO CM *# 



"* t— f— 

CO <* b- 

CM ■* CO 



© 
CM 

CM 

co 

m 



© CM JO © © 
CM CM ~H CO © 



CM b- © CO CO 
CM CO CO © CM 



CO CO CO © CO 
CO CM CO tO © 



© b- CO 
«* CM CM 



CM CO CM JO rliCOCOCOt- CO IO CM CO •>* CO CO © r-H -tfl t-i CM CO 



CM © lO <tf 

CM JO CO 00 
IO CM •"tfi CO 

10~T-H ©~©"" 
CO IO CO ■* 
© ©CM 



CO tH «rfl CO CO 
tH b-© b- © 
b- "*i JO 00 JO 



tH CO CO CO © 
tH cm CM CO IO 
CO rH 00 -* © 

b-^T-rio"©"©" 

TH lO© CM CM 
CM CM CM 



"* IO CM 00 00 

■<*l © © T— I © 

CO^CO © CO © 

TH © © lO T— I 

©©©<#© 
r-t CM rti i-l 



00 CO © 
CO 00 tH 
CM^j-h 

oTcii> 

b- lO © 
JO CO CM 



bo 

s 

"3 



© ©CM t- 

© CM CO © 
i-H t— I IO IO 

© -^cTco 

THOlOCO 

CO © b- CM 



00 *H © CO b- 
rti 00 b- © CO 
JO © b- b— b- 

©"00" ©"©CO* 
rf © 1-1 rH CO 
«# "* ■**! CO ■**! 



© CO 00 CM CO 
© lO © t—( 1— I 
CM^CM r^© 

t-TlO TH"t-^CM 

© b- IO CO "* 
b- CM 00 CM © 



1— I b- 00 CO 00 

-t 1 © CO IO CO 

tj^l-- ©^Tt^cq^ 

"£r4'&to'cO 

tHNCOCIO 
10 00 © © © 



00 00 © 
CO © CO 

r*©^co 

eo~© ^ 
© © b- 

00 00 © 



m 



t- IO © CM 
CM CM CM CO 

©_© O 00 

1— 1 CO © b- 
© IO CM i—( 

Tfl © © 1— • 



© CO ^H © tH 
t-> CM © © b- 

© ■* T— I T— I © 

JO~rtCcxf© b-T 
CM © b- — 1 CM 

© th ^h CO CO 



CM CM © b- © 
1—1 b- Tti 00 CO 
CO tH IO X CO 

©~b^CC ^"lo" 
IO r- 1 tH IO >— < 
TH f- t- © © 



HQOXlO 
CM © b- ^1 
CO© I— ©_ 

b-^b-Tlo"co" 

CCNW^H 

CO O lO CO 



T-l CO CM 
© CM © 
00 CM^ 

tH 00 © 
CM © b- 




©© O © 
© © ©© 
© ©_© © 

©"©"©'"©" 
©© © © 
© © rflCM 



© © ©© © 
© © © © © 
©_© © © ©_ 

cT©"©o© 

© © © © © 

CO C4 CM CM CM 



© © ©© © 
© © © © © 
©^P©^© p 

©cTc"© © 

© © © © © 

JO C4 ■* <M IO 



©© © © 
© © © © 
©© ©© 
©"©"©"© 
© © IO © 
CO JO b- CM 



© © © 
© O © 
©^© © 

©"©© 
© © JO 
CM CO CM 



. . CD 

>jS CU O 
r* «r-i .rH ^ 

o tf ' 



o 



ni o ?; 
a u <D 



*h CD *h ^* ^ 

O-p o s o 

r^ 1 CD K^HH C* 1 

!? o ^ ^ s: 

CD C CD CD 0) 



CD © ^ a ^ 



o 

O'S ci oO 

H 'C rT| TJ PH 

PS fl 3 £ 

cd^ p^ CD 

Jz; Pn cc fii (zj 



fl cd . 

^ o d 

CD— 3 

03 3^ ? 



Ofj 



2 


03 


c8 . 


• a . . . 


. . CD 


2 s 


a . 


m 


a 


O CD . T3 

^3 CO ^ +- r* 

ri ^ ^ "V, r-i 


henix 

rovide 
elief 


PnPlPiK 


KWW»« 



c: 
1— 1 



^ Tl dj "~ ^ 
CO ^ r^ H H 



CD CD 



fe 



CD d 
TS O 
e8*g 



co O 

CD M 

a CO 
CD 

fH CCS 
■JH -t-> 
(*(C0 

i r7 3 r C' 
CD 



CD 



o 



2 *- 
3*3 



'rd 

bX) 
r-i *h 

CD s 
ni CO 

CD 5.2 
C3 CD "d 



d 



^p= 



o 

H 



REPORT OF THE 



50 
CD 

1> 



co 
cu 






s 

CO 

3 



X 



H 
.J 

pq 



o 


^ 


t- © 


rH O t- 


It- 


CS O CO 


CO » CO O CM 


H 


CO S3 


CM lO 


I 1 ^.^^ 


OS 


CS rH rH 


IO 00 CO CM rH 


05 


CO -H> 


V 1 ' 'h 


1 1 


ll'll 


| . . | 


*CN 


(0 

O 

J 

O 


























o 


y| 


rH IO 


iHfMOJ 


i-H 


OH t- 


CM CO i-H IO CS 




CM L- 


OS CO ■* 


JO 


rHO CO 


JO 1-; H 00 rH 




3 'S 


■>: ' ' ' ,-r 


1 ' oi co o 


1 1^1 I 


1 rHOO ' rH 


co' CS co" O CO 


K 


t- « 


IO © 


CNCO 


t— 


OS IO IO 


CO rH JO O rH 


• 0) 




1-H 


1-1 


I- 1 








t- 00 


CO C7: rH 


CO CO 


CS IO CS 


CS CS CO CO CM 






30 rH 


CO CO 00 


t~ t- 


CO i-i cs 


CO O — i CS JO 




<S 


rH IO 


CM CM i-I 


rH O 


rH CM CO 


CM OS O C. rH 






** 1 1 1 •* 


ID r- *v -. 


•* 1 ^ 1 1 










i-( ' ' ' CM 


' ' 1-1 — ■* 


ri ' rH ' ' 


1 CM 00 ' -H 


C. JO 00 CO 




CO 


jo 


t- t- 


1-H 


CM CS CO 


O CM 




V 


<=*? 


o 






"* 




CO 

O 

►J 




CM" 








CO 

CO 

W 




CM rH 


coo cs 


CO 


CO I— O 


CO CO CO M CS 


'A 


1 "= 


1>- H 


CS I— i— 1 


IO 


rH t— CO 


rH CO t- CO CO 


"* ■ . . t ~ 


CO CM CO 


1—1 


L— CM rH 


CO O CM JO OS 






•> 1 •> 


II - "• •> 


II ■" 1 1 






i-> 


.^ < 


© ' ' ' CM 


1 ' IC i-i o 


1 ' CO ' ■ 


1 — OS 'r-t 


JO CM rH CO 


** a! 


CO 


iO L^ 




rH CO CO 


-HlOH 


m 


»o 




l-H 


CO 


s 

< 


£ M 




co" 




















s 




CM O 


T* O "<* 


O IO 


CO rH CO 


t- rH CO JO O 




© O 


COt-'* 


to CO 


O CM CO 


t- CO CO M O 




"*...'''* 


COC5 


"^ . M . . 


CM rH JO 


JO JO t- 00 JO 






« — 111 *> 


ii ^ -s 


-> 1 »v 1 1 


1 ~ ~ | »N 






•r^ 


CM ' ' ' O 


1 ' if CO IO 


CS ' o ' ' 


1 CO CS ' o 


OS rH CM l-H CO 






CM CO 


OCNl- 


CO IO 


CO 00 O 


JO CO CM CO CO 




© i-i 


i— CM CO 


rH 


(M CM t- 


CS OS CM rH 


















CO 


oo 


i-i CO CM 


l-H 


CM rH CO 


CM CM CM 






i—i 


Ttl ■* 




CM CM 


t- 




s 


m 


CO 








o 

H 


2 S 

CO — 


CO CO t- CO CM 


O i-i t- CO 


IO CO CO IO CM 


t— 00 JO i-H i— 1 


rH OS COO O 


CO 


JO rH CM CO n 


HiOiO 1 IO 


rH CM t- rH CO 


CO JO CO rH CO 


CO CO JO CO CM 


O 

to 


H 
























O 


« 2 


CO © jo 00 CM 


i-H 00 CO CO 


i-H rH rH Cs IO 


00 t- t-i-i t- 


00 O CO O CO 


o 


£ .5 

CU 0) 


•*^t>lQH 


00 CO CO 00 


CO CO IO CS CO 


OJ JO CO rH CO 


O rH rH O O 




CO"*rHr)il>i 


rH CO »6 ' IO 


rH rH IO CO OS 


OS CM CO rH JO 


CO' rH CO* O CO* 


h o 


lOw^OW 


CO >o CO t- 


iO iO 00 rH rH 


rH t- CO JO rH 


JO t- t- t- rH 


K 


™ M 
















lOfOOiO© 


C7; CO i-H CS 


lOO COCO rH 


• JO OS CS rH JO 


CM CO t- O CO 




[d 


CO IO CM CO CO 


O CM i-H CO 


CD IO CO CO t— 


L^ CO CS CO O 


rH CO t- rH O 




03 


CM rH 00 CO © 


L-^O O 


to rH CO IO iO 


CJ 00 CO rH CO 


rH JO t-CO CM 








^ ~ ^ 1 •* 










pH 


00 © CO CO CO 


CO 0C t- ' rH 


CM tO i-i CO IO 


OrHO rHO 


CM CM CO O 00 




CO 


00 CO L— rH i—l 


IO CS CO >o 


rH rH CO rH t- 


rH rH CM CO t- 


IO CO 00 O CO 




0) 


rH CM 


1-H 


r-t rH 


CM CM t- 




co 


CO 

O 


m 












CO CO CO CO. CM 


00 CS O XO 


CO CO CS COO 


CM JO rH CM rH 


CO O O rH CO 


« 


CO 


O 00 IO r- 1 © 


t-H CS JO IO 


CO OO IO rH rH 


rH t- JO t- b- 


CM OS t- CO © 


W 


s "2 


O^i-^Oyt-CO 


00 OS CO O 


CO i-H O i-H <M 


rH rH O CO rH 


t— O O CO rH 


^ 
















s {> 


1& i-TcO^oW 


CM OS CO 'cm 


CO CO CM CM CM 


CO CO rH t— 00 


co r— co co jo 


CO 


1 s 


O CO 00 O CO 


CO rH to t- 


t— co t- rH iO 


00 CO CO O CS 


O 00 i-H CM JO 


Es 


t— ' n rH 


i— 1 CO 


CM CM l-H 


co jo cq_ 


rH rH rH 


M 


S'l 


of 






J-4 




« 


C-l t-H 


m 












CO i— 1 JO CM CO 


rH M rH CS 


O iO t- CO CO 


00 rH — I t- rH 


t- CO »- <M CM 




C 


rH O O O i-l 


CM CS CO CO 


IO O rH rH OS 


00 rH O CM rH 


IO CO JO O rH 




a> 


rH t- t- t- CM 


i-H rH t- rH 


rH <M CS rH CO 


rH IO OS i-i CO 


OS i-i O © OS 


















•— i 


t~ CO t- CO CO 


rH IO CM CS 


CO to IO >o CO 


OS OS t- CO CO 


CO t- CO 00 CO 




S 


CO O rH t— rH 


CO CM CM CO 


O O CO rH t- 


<M Ol^iOO 


© rH JO CM CM 




Thi-ic; 0,0^ 


IO i-H IO CO 


O rH i- rH O 


O O OS O O 


CM O OS CM CO 


















CO 


icf ©~ocT»o T-* 


IO OS CO OS 


CM iO CO CM CO 


n CM JO CO CM 


JO © rH CO CO 




Jg 


CM CM CO r-t 


IO CO 


CO IO i—l CM 


rH rH CO JO 


rH rH CM CO 




CO 


CM 






CM 






s 


m 


















'c? 








1 


H 

-< 
33 


CD 
fcJO 


o cd a 

CD ^ « 




l-H 


CD 

-.So • • 

+= exj s 

«*i S *si • . 

J3 cd 

CD £3 CC X cS 


< 
1 




• • • 2 g 

+s I— 1 

CD W 


CD CD C3 2 
• S .in CD -M 


fl^ o 

- CD . 


• CD "g CD ' 






C PI c 

c3 c3 c3 

• |>i cp O O 

ce a 'S *S 'fl 

rt C3 CD CD CU 

Jaaas 


03 cS o O 
•S .2 "43 "43 C 
jr; jh fi Pi c3 

S3 2 * c8su 


O- ^CD 


•l-H r-j +--H 

© .S ■£ g B 

CD S CD o 2 

ill a^ 

o o o o o 






^<^<^w 


£5555 


oyooy 


flWSHfn 



INSURANCE COMMISSIONER. li 



tH 






© 






© 








CM© 




Ttl 


© 








l'** 


1 1 


1 


tH 
CO ' 


1 


1 1 


i • 


i i i 


1 


1 


© JO 

1 • • 


i 


CO 

1 1 • 1 


JO 


1 


l I I 


i i 


a 






00 






© 








i-H CT5 




01 


© 








, °i 






°? . 






CO 








©Ol 




CO 


Ol 








1 jo 


1 1 


1 


© ' 


1 


I 1 


1 *i 


i i i 


1 


1 


1 ©JO 


i 


1 ' ^i ' 


b-* 




i 8 ' 


' 


m 






CO 
1-H 






t- 








00 t- 




^H 

l-H 


Ol 








r-l 






CM 






io 




© 




JO © 




Ol 


© 














b- 






© 






1 


1 © © 




1-H 


L— 








1 ^~ 






b- 






Ol 




TH 




©^Tti 




Tt 


00 


. 






1 © 


1 1 


1 


co~ ' 


1 


1 1 


1 co" 


i i i 






t^oc" 


i 


1 i icT i 


© 


1 


1 i 1 




■CO 












T* 

JO 








00 © 
rH 




Ttl 


00 








© 






CO 






© 








t-© 




i-H 


CO 








© 






© 






© 








oi oo 




JO 


© 








>o 






CO 






1-H 








©^co 




Ol 


C L 








1 ©" 


1 1 


1 


or ' 


1 


1 1 


1 T" 


t i i 


1 


1 


1 ©ro 


I 


1 i o ' 


cc 


1 


1 1 1 


1 ■ 6 


t- 












CO 

b- 








© CO 
Ol^rH 

of 




Ttl 


© 








© 






tH 






Ol 








CO tH 




CO 


CO 








o 






rH 






© 








Ol tH 




t- 


© 








1— 1 






© 






© 








Hl> 




Ol 


CO 








1 00 


1 1 


1 


** 1 


1 


1 I 


1 JO 


i i i 


1 


1 


1 io7t-^ 


i 


i i i>r ' 


TtT 


' 


9 i n 


I 1 


CM 






CM 






Tji 








©© 




00 


b- 








<N 






rH 






l-H 








©^jq^ 




1-H 


■*_ 








b-^" 












©" 

i-H 
l-H 








©"© 
cr. rH 

CM 




CO 
1-H 


id" 

rH 








ONlCNC 


lO © lO© © 


i-H 


© Tt rH 


© tH 00 © CO 


JO© ©CM © 


Ttl Ol JO © CM 


CO b- 


CO lO CO Tt Ol 


Ol JO CO CO JO 


JO 1 


CO CO JO 


-* tM Ol Tt Ttl 


Tf rH CO t-CO 


© Ol CM Tt CO 


t-CO 


CO © X) CO 


© 


Tt CO b- b-© 


© 


COiQt- 


JO 00 CO CO -rH 


JO CO © © t- 


— 


©©©CO 


b-CO 


co_ © jo t~ CO 


b- b-; 


Tt Tt l-H 


CO 


l-H f- © 


© 


JO CO CO © 


OCOlOlQb- 


© © © CO ■* 


l ~. a0 . 


oo id 


CO© t±i 


b-^ i-H CO oo" CO 


cm" ' 


CO Ol rH 


© 


^ 


rnCrH 


CO 


oi id jo © 


oi oi t>^ id Tt 


©CO 


lO lO lO Tt Tt 


lO © 


"* 


CO © 


© 


© Tt JO 


CO JO Ttl lO »o 


lO CM L-- 00 JO 


CO JO Tt jo © 


00 b- 


b-Ol 


l-H Tt CO 


1—1 © 


CO © © 


bi- 


© CO JO 


b- Ol 


© © © 


© © © 1-H CO 


CM 


i-H 


© Tt © 


Ol rH - 


OCOOXIQ 


lO t- 


CO lO Ol 


© 


Ol CO l~ 


CO 




i—i CM i-H 


JO "ti CO t- CO 


JO JO b- Ol r-t 


Tt rH 


CO O CO lO CO 


l-H T*H 


CO' 


b-© 


05 . 


TH CO © 


JO b- Ttl Ol JO 


Ol JO Ol Tjl 1-H 


t— Ol t— 00 b- 


O0 T-> 














~ 1 






















CO b- to 00 


T— t 


CM JO Tt 


l-H © 


CO ' 


Tt 1*1 00 


b- 


>— « 


JO CO Ol 


© JO 00 00 © 


00 © © 00 JO 


1-H© 


CO CO O CO 00 


CO Ol © © b- 


00 


t- i— Ol 


00 © 


CO 


i-l CO i— t- 


© CO CM 00 © 


Ol b- 


b-Ol rH 




CO lO CM i-H 


1-H 


CO 00 




CO rH t- 
rH 




rH 


CO 




y-i 


rH r-t 


CO © O © b- 


© CO © CO © 


CO 


© Tt Ol 


Ol © 00 © tJ4 


Tf Ol Ttl lO rH 


Ol CO CO 00 © 


Tt CO 


CO CO tH CO O 


00 CO i-H o © 


JO 


© 1- Ttl 


1-H 


Ttl CO CM Ol 


00 Ol oc © © 


CO Ol © © l-H 


Ol © 


Tt CO 


— © 


t- 


CO CO © Tt CO 


© 


lO 00 1-H 


b- l-H 


© 00 CM 


1—1 


1-H Ol JO Ttl 


© © OO L— © 


00 JO 














** 1 






















COOCCt-IM 


to t- 


* 


CO © 


© ' 


© lO JO 


CO 


TT Ttl i-H rH 


CO Ol © CO © 


Tt JO Tt b- Ol 


© Ol 


O CO GO CO 00 


lO Ol lO 1Q © 


© 


b- CO © 


Tf 


Ol JO © t^ 


t- JO © CO CO 


© 


i-H 


Tt CO © 


JO Ttl 


CO T±l 1-H 1—1 


iH 


JO 


r- 


t-CM 


CM 


C- lO^ 


1-H 


JO 


Ol Tf^rH 




i-H l-H 


JO rH 


CO T-t 


l-H Ol 


i-T 








i— r 






,_i 




c\ 


i-h" 














00 © i-l t- i— 1 


CO © 


Tt oi © 


t- 


© CO i-H 


- 


© JO CO © 


OHHOCO 


rH Ol Tt © Ol 


©CM 


© Ol 


CO CO CO 


Ol rH 


rt CO CO 


JO 


©CO CO 


Ttl CO 


00 


© Tf JO © 


CO Ol Ol Ol © 


b- JO 


th CO rH CO N 


00 CO 00 © © 


© 


i-H c© en 


© 


~. 


© © co 


© 


t- © CO L— 


© © © Ol CO 


CM © 














- 1 






















Ol © 


CO 1C © 


tt Ol lO CM © 


CO ■ 


© 3C b- 


Ttl t- Ol © t- 


Clt-lHN Ol 


© © CO 1-H Tt 


Ttl Ol 


i-i t- co cr. 


00 


o io ci o t- 


© 


CC rH -t 


CO 00 Ol Tt 00 


JO 


© Ol © JO 


Ol © © rH CO 


b-CO 


Ol Tt © © 


CO 


L— 00 Ol lO CM 


CO 


I- 1 b- JO 


©© 


© © CO 


t* 


rH JO Tfi Ol 


b- 


CO CO © Tt 


CO © 




































b— i— 1 © *tl O0 


CM b- Ol CO rt 


© 


ri CM -H 


00 00 t- CO »H 


00 JO 


b- b- CC t- © 


© © 


Ol Tfl CO rH CM 


TH JO Til 


© CO 


CO 


i—i © © 


1-H 


~. 


CO JO Ol 




1-H rH l-H Ol 


JO Ol 


■* CM 


rH Ol 


i— ( 








1—1 






l-H 




CI 


T—l 


































.2 








X 


























'3 

C3 eci 


. 


.... 


. 


u 

CD 

3 


... 


. . 




CD • 








CD 










oward 

is. Co. of North Ameri 

is. Co. State of Pennsyl 1 








"3 


5 


'CD* 
CD 
B • 


.2 B 

<1 3 

CD CD 

h in 


irenien's (Baltirnor 
irenien's (Dayton) 
irenien's (Newark) 


*H 

o 
cd 

& • 

CO 
CD 12 


B 
03 

a 

CD 
< 

a 

*H 


Jh 
c3 

a 

CD 

c3.2 

i-l 


a 

■r ® 
03 & 

*B o3 

CD CD 


uardian Fire . 
anover Fire . 
artford Fire . 


CO 

s 

o 


0) 



bf 


Jefferson . 
Knickerbocker Fire 
Lamar 
Lorillard . 


oS 

-»HI 

cS 

B 


c 

a 

"on 

u 
<o 

*— 

o 

a 

«tH 

B 


ere an tile . 
erchants' (Newark 
erchants' (New Yo 


CD 
<p 

'> . 

O 

Sh 

Ph a, 

03 cD 

CJ.S 

f-> M 
CD <V 


£=.£ 


H * 


^-> 


£& 




CO 


So 


OPhPh 


Ph Ph rH rH hH 


tH 

M 


HHHHH 


WH k-H 



Hi 



EEPORT OF THE 





o 

E-i 
co 

CO 

O 
►H 

o 
o 

-a) 


Eisks 
Written. 


1 1 1 I 1 


tH 
CO 

1 • 1 1 1 


CM O 


00 

. . ■ 1 , -*• 

1 


© CO 




Premiums 
deceived. 


1 1 t S 1 


110.11 


108.50 
80.10 


108.21 


62.11 
111.62 




to 

CO 

H 
g 

p 

n 

g 

2 

< 

3 


"2 

Ph 

CO 

OJ 
CO 
CO 

o 

►H 


1 1 1 1 1 


$13,527 


rH lO 

© T— 1 

© rH 
' b-~ ' rH~ ' 

rH rH 

CO 


801,965 


184,587 
3,219 




co _: 
a tj 

a » 

.2 £ 
"a "53 

P- W 


1 1 I 1 1 


$12,286 


44,239 
800,740 


741,144 


297,178 
2,884 




d 

CO 
CO 


III!) 


$4,387,817 


7,712,144 
215,773,599 


166,047,511 


51,042,126 
509,331 




o 

H 

co 

co 
O 

o 
o 

03 


si 

CO — 


© CO 00 Ol © 
rH JO CM CO rH 


O 00 b- CO o 
b- rH tM rH CO 


rH CO H CM 
b-rH CO 1 CM 


© JO b- b- © 

CM JO b- © CO 


b- i— 1 © JO b- JO 

JO rH rH CM rH CM 








£1 

a 5 

<K CD 
H O 

t-l ^ 

as 


© © CO © © 

CO co co" -" — " 
© JO rH b- b- 


COCC00t-( 

CO rH CM © CO 

^ lO C£ ■* H 
JO © JO © rH 


73.31 

52.22 
60.41 

41.64 


C5 00 i— 1 "0 00 
OS •* b; CD t> 

© b-^ CO © CM 
rH JO b- b- rH 


JO CO rH © © JO 
rH i—t b- rH 00 © 

rH rH CO* JO JO © 

JO © © JO JO JO 




CO 

co 

H 

CO 

« 


"3 

Pi 

CO 

a> 

CO 
CO 

O 


X lO H 00 N 
H i-i CC CO CO 
b- o jo CM ©_ 

oo't>rco'"crT-r 

CO JO 00 © b- 
egriH iH 


© co jo © © 

© rH 00 O rH 
©.^rH^rH 

rH©"©"©~b-^ 

CO JO tH CO rH 

T"H TH T-l CM 


137,609 
144,738 
150,311 

65,418 


JO lO CM CM CO 

co a: © co cm 
jo jo"jo"oo"co" 

CM rr b-© t-H 
CO rH © 


JO CO © tH 00 t— 1 
b- JO JO © © © 
b-^CM_-^C» ©©^ 

of of co" oo" ©" co" 

© CM © b-CO rH 
b-rH rH 




CO ■ 

a-*g 

•2 .5 
a '53 
£ « 

« 23 

P-i rH 


©© b-T-t lO 
*t><MOtO' 
c© OC^CO rH rH 

cr"cxTco"aroo" 
O b- © CO CO 

T-t CM 1— ( T— 1 CM 

1© 


o as oo cm T-i 

CM "* CO co as 
CM rH rtNOO 

00 b-"cM co"oo" 
"*t"H005 
CM CM CM JO 


187,725 
277,064 
248,805 

157,061 


© a. b- rH CO 

CO © lO © CO 
JO rH CM i-t 00^ 

CM~ T-T ©""©"tH* 

© © CM rH rH 

CO CM rH rH^ 

T-T 


b- i-t 00 © b- © 

CO b- CO OI © © 
JO © CO rH © © 

© © CO~ CM CM" JO" 
© © © rH CO 00 
rt^rH rH i-l CM 

rH 




CO 
CO 

as 


$14,356,278 
28,082,953 
29,746,959 
15,904,204 
34,731,648 


19,401,398 
10,576,752 
44,661,052 

28,200,129 
82,572,549 


18,556,882 
31,739,084 
24,448,329 

30,125,697 


13,047,282 
62,288,560 
22,981,046 
14,835,573 
170,281,118 


© © X JO © b- 
b- CM © © OI rH 

© b-^jq/©^© ©^ 

•Hi" ©" JO" rH" 00" CM" 

© CM © CO rH rH 
GO 00_© O^rH JO 

CO" ©" CO" ©" b-^ b-^ 
CO CM rH CO CM rH 
l—i 






Ph 
O 

o 

fa 
o 






National Fire (Baltimore) 
National Fire (Hartford) . 
National Fire (New York) 
Newark City 
Newark Fire 












New Hampshire Fire 
New York and Boston 
New York Bowery . 
New York City . 
Niagara Fire 


Northern . 
Northwestern National 
Orient .... 
Orient Mutual . 
Pacific Fire 


Park Fire . 
Pennsylvania Fire . 
People's (Newark) . 
People's Fire (Trenton) 
Phenix (Brooklyn) . 


Phoenix (Hartford) . 
Providence Washington 
Relief .... 
Republic Fire . 
Rochester German . 
Rutgers . . 



INSURANCE COMMISSIONER. 



liii 



C5 CO lO 

CM OCO 

• I I • • 



OCONTO 
CM C5 CM CO r-1 



I I I I I 



o 

CO 



I I 



WMtCOO 

1>COOCOH 

CO 



I 1 I I I 



O i-l CM 

b- -<±l OS 

CO ■* o 

b-~ ' ' o" 

b- o 



C3 CM CO CO 00 
CO CO t— GO i—l 
JO CM CM G2 rH 



00 

o 

»o 

' 00 
i— I 
CO 



I « I 



-H 

co 

CO 



00 

CO 
CO 



CO jo 

CO i— I 
CO JO 



JO ^ i-l tH CO 
CO CO CO b- tH 
OO OCO o^ 

b^O~CM-* CO* 
t-I iH CO Oi 
CM 



co 

JO 

o 

co" 
>o 

CO 

to 



I I 



O CT> 
OCO 

i— i iO~ 

>*b- 

co 



OlMOOSO 

lot-ocno 

T^CN^CO r-i CO 

cNfrH~cTco"cM~ 

b- i-H <M CO JO 
JO -H/l rH O^CO 

co~ oioT 

CM 



g i 



1 1 



i-l O i-l (M tH 
05 CO coco CO 



CO CO O CO 



CO O "* i— i C5 
O JO ■"* CO CO 



Ci O JO C5 CM 
CO CO JO CO CM 



CM Ci CO ** 

•>; t-;CO b; 

JO t-OH 

CO •*co»o 



O5 00 lOO CM 
tH. i— I CO Oi CO 
iH H^«l> 

b-^r-TcooTcT 

CM JO b- ■H/l CO 
r-l iH CM 



WOOHtH 
b-oo jo co b- 

COri<JiHO 

Co" 1 CM'~aro~CO~ 
COOHffiN 
CM iH 



TH 



tH O CO 
■*CM b- 
r*ICO Oi 



CO ffllOO 
JO CO r-i CM 
iH CO CO CM 



O 
CN 

S3 

co 

CO 



O Ci CO CO CM 

O co o: co en 

lO CC^t-TJ^ 

o coco'o —T 

rH O CO CO o 
rH t-I CO <* 



©OOb-lOO 
TH CM lO JO O 
rJH i— I CO ■* O 

t^o-fT^t-Tccr 

CO CO i-H CM CM 
CO CM CM t-I 



O rH JO C5 

CM -tfi i-H O 

CO JO HO 

CO b- CM CM 

i-l b- JO *# 



CO 
CO 

m 



COt-OOHO 
CO T*H O C5 i-H 

b^co^io cn^ 

t-r?o t~c?TH" 

(MOt> JO CO 
O C5 CO JO JO 



CM tH CO CD CO 
O Oi C5 L— CO 
CM > rH i '* CO^JO^ 

cTo^r-Too r-T 

*tfi tji JO ^ti CO 
CO b- JO CJ5 CO 



b-OCO 
lO JO r-t 

■*ofi>r 

CO CO -rH 

JO^Cl i-H 

io~c<fb^ 

CO CO CO 



• 


* 


.'d 
el 

C3 
CD © 






U t-i 


r— | 


ij 


HH^ 


^ 


'r-i 


bed 


rrt 




a 3 




HH 


.S C3 


fl 




^Ph 


«J 


ci 


© . 


+3 


4-> 


+i 4^J 


mwmm 



>> S C tin 



• • • •-* o 

ce © 

•Hi t» 

• • in »a 

S^2 

©•r 3 crj 

0) « C fl 
r-J'CTj O O 

2 2 £"5 "3 



• 03 • 

w o 

£ ©^ 

H ci f=l 



>» 



© 3 



££|ff 

© © a! £ -2 

+- tj +^ tfl •— 1 

•3 □ c3 ©^q 



o 

H 



liv 



REPORT OF THE 



so 

e 

so 



<43 

a 

o 
s 
c3 



w 

PQ 











O O O O O 


o oo o 


Q OOO O 


o o o o 


O O ©rH © 




-3 d 




O O OO O 


ooo o 


O OO © O 


O O O JO 


© © o © © 






© lO © O O 


o o o o 


O JO o o o 


O O O tr- 


©^©©p©^ 




















* 5 ri 




ot-ono 


O O CM ' O 


O O O — JO 


O O ' O t- 


©"©"©"©'©"' 




<& G ' r— t 




O N S ^ (M 


rH rH tH rH 


CO tr- CM CM CM 


Ol CM O CO 


CO CO rH CM CO 




U "> ° 




© 






r-t r-l 






S o 




<=£ 










o 

H 
CO 




tn 


o3 

S 

o 


CM rH GO tH 00 


© CO © CO CS 


CM >HH O CO 00 


rH Ci 00 TtH T+f 


rH © Ol 00 CO 


W 




6 


CM ■ GO rH CO rH 


© CD rH CD CD 


COOhH/io 


Ol Ir- r- Ci CO 


© JO CO CD CO 


03 
iz! 

Ph 




o 


o 


ID CO GO rH lO 


^ ci oi O CD 


00 tr^ JO ci ci 


t-" r+1 JO -rJH JO 


co co r-i io oi 




fl 


NNNMM 


CO CM CO r-l CM 


CM CO CO CO CO 


CO CO CM CM CO 


rH CO CO CO rH 


ft 




CO 

g 


•d 












o 




0) 


Ol X tr- IO CO 


«* O CM i-4 CO 


JO Ci O JO JO 


JO GO Ci Ol CO 


© CO © Ir- © 


o 




s 


£ 


CM CO CM IO rH 


CD O JO tjh tr- 


O Ir- Ol CO y-i 


CO O rH rH © 


ir- X © © GO 


IH 




'53 


ci © — ' t-" io 


** CD ci cM od 


Ol Ol JO -H JO 


IO I— H Ci ci 


id t*- CD ©" t-* 


H 

-1) 




cu 


aj 


CM CO rH CO "O 


"* CO CO r- 1 CM 


CO T+l "* CO TJ1 


-5+1 CO CO CM CO 


rH CO CO rH rt" 




£ M 


















O ©rH rH o 


IO "* rH Ol -h 


Ol -f JO CO ^ 


Ci tr- t- •* GO 


t^ CO tr- -H Ol 








0- © rH © rH 


L- C. IM N lO 


IO rH «C CO CI 


■* t- X Ol Ol 


© © rH X © 




CO 




H tr- © © rH 


w C JO iO C2 


JO C. CM 00 tr- 


Ci go. -r o . T+ 1 


rH © c H JO 




CL> 
















in 




« 00 IC CI w 


Ol JO "+ o o 


00 CO "O JO GO 


l— l— O i r- tr- 


CM CO' t- IO rH 




zz 




tH r-l fc- IO CM 


t- Ol Ol •<* TTi 


GO rH CO Ol -CO 


C0 Ol CO Ti* GO 


r-i io rH JO t- 




CD 




© rl 


r-l tH 




rl rH O 


rH 








S& 












Q 




IO O CO © Ir- 


H JO 00 CM CO 


rH Ol Tfl «* Ol 


rH GO CM tH rH 


© X X CM © 








o © go a: jo 


CM rH CM t* Ol 


rH CO CO C CO 


CO rH 0C O IO 


X tr- X rH © 




>> 




IO 00 tr- © rH 


OO Ci CD t— tH 


"HI CO CO rH Ol 


O Ci o o o 


X rH X CO © 




m 2 ® 
10 5 a 

a> 92 fa 


















r-tOO^IH 


Ol O CO tH CO 


CO Ol 00 ' "* 


CO -* CD <H/i Ci 


© CO © rH 






O 1 <* i-H 


CO CD 1 t- CO 


T+i Ol Ol 


^ I 00 rH 


© i—i rH rH 




Exc 

or Dene: 

Inco 




m 1. 


1 rH | 


1 1 


1 1 c0 


1 1 1 1 






















NHlOrfTH 


CO CM 00 rH CD 


■* JO "* O GO 


•HH Ci CO 00 Ol 


rH © fO X JO 




co 




WNXrHh 


IQt-MHN 


CO Ci CO o o 


Ol t- CO JO Tti 


© C. -H r- JO 






CDt>C00O 


CO CM tr- JO tr- 


CO tr- Ci ■* CM 


Ci ■* rH © rH 


CC CO X X Ol 




^ £3 
















s _g 




O lO 00 Ci CO 


O ■* Ci 00 CO 


Ci O -H JO Ci 


00 Ol rH Ci t- 


© r-t r-< © rH 




y is 




00 GO 03 CO CO 


GO CD t- CO 00 


CO Ol CO CD CO 


C3 rH JO © Ol 


rH tr- © © Ir- 




» ^ 




rH Ol rH 


rH CO Ci r-i 


CM CO rH rH 


-tf CM JO CD 


X rH rH rn rH 




O 05 




of 


co" 




r-T 






s- a 




& 
































t-HOOOH 


tr- t- O CO CO 


JO CO O 'rJH O 


IO rH rH Ol CO 


IO X JO © JO 




o5 




CM CO CD "-H CO 


t- 00 CO JO JO 


tM CD O Ci CO 


00 © JO CD Ci 


rH rH JO © rH 








h oq^ rH jo jo^ 


rH rH rH CM CO 


tr- tH CO iO JO 


© IO © O rH 


t— CM © JO © 




fl 
















FM 




of oo © rH"rH" 


CO JO CO CO CO 


CM tr- CO JO CO 


rH |r- CO CO © 


IO X © JO rH 




CO ^ 




rH ir- CD rH tr- 


rH CM tr- «* JO 


rH O O CO tr- 


© © «tf © rH 


X JO JO JO t- 




o £ 




lO CM rH 


CM "* rH rH 


CO CO rH rH 


rH CO CM JO © 


t- rH l-H r-l rH 




l* M 
















O ,a 




cm" 


■* 




r-i 






co 




۩= 












o 






































...'..-. 


..... 


..... 


...'.. 






h 

fe 




..... 


..... 


. . . . . 





. . . . . 




Oh 




..... 


..... 


..... 


..... 


..... 




O 
















o 




..... 


"g ' ' ' 


..... 


. . . . . 


..... 




fa 
o 













.2 a 

■PtSH 




< 




an 

an Central . 

an Exchange 


an Fire (New Y 
an Fire (Philad 
c Fire and Mari 
c Mutual 


German 
s' (New York) 
3' (St. Louis) 
re . 


ommerce 
ommercial Fire 
ommercial Mutual 
onnecticut Fire 
ontinental 


elaware Mutual Safe 
nterprise Fire and M; 
quitable Fire and Ma 
xehange Fire 
arragut Fire . 








>i O CJ_C3 

c3 a '£ 'S "fl 


.2.2+3*43 o 

'<-> u pj c "73 


uffalo 
itizeni 
itizen; 
ity Fi 
linton 








C C3 03 03 CD 

l^aaa 
™ <^ -<\ <^ <j 


2 2 ce^tg 










<tj<tj<^<^pq 


ffiOQOO 


OOU^O 


flHKHh 



INSURANCE COMMISSIONER. lv 

OOOOO OOOOO OOOOO OOOOO OH oo o o o o o o o 

OOfflOO 00 O O O O OOOOO OOOOO OO OO OOOOO O w> 

0.00^0 o_ oio_o^oo^ o^ooo^ co_^o_oo o^o_ o^o o_o_ooo^ o^o^ 

o'cTt^ioHi" HjTcooico" o~crroo~o o©~o"o~t* n h/o" ' o~^~ ich^— x"o" oo 

OlQiOlMlO r-i CI O 00 O C4 lO H lO »C C-IOOOIM H <M CI CJ Ol CI CI •* CI h 

CM i— i r- 1 <M CO "* 



^-O-^lOCO OOOfltON 

lO lO t-; O CJ H O O O 

CI t>^ r-- Cl" t>^ --102*0 

CO CI "* CO H/l CO •* CO CO ■■* 



CO •* 00 i— I O Nt>M(MH HOflOON CO O 00 O O 0-^«1N10 i COrH 

lO 00 CI id O O X lO « 1> O CI 00 O iq rncci^oqio COOONO CJ o 

HH O* -* O lO CON^OO lO t-2 Cl" CO" O* t^ i-i O O * 

TjilOCO^rtl CO r-1 HO ** CO -H/l CO >* CI CI CO -tf lO CO lO 

Q^«a* CI —I OT CO O 00 O lO O CM lO CO 00 O O HCOO- 1 CO — — t~- H^ CO OOCO 

t-03Hrt03 00 ti 1 ^) (M H Tf CO CO tH -— i oo CO Tf lO CI L— fllO'-OO » lO O — - < — ' O 

* O O O CO OHOt-O O r-i CO t- O C ^ (M CO C-l Ht-IMffiH CO t- lO >C Ol H t— 



3- 



O CO t~ CI CO C "* CO O O * O O O — h«HiQ3 cc co ci ci o 

CI O O »Q C4 OOH^OOO O-*OQ0» CM CI »Q O t- H O CM CO lO 

CI CO CO H <M ■* OJHX CM H 



ooioco ociaooi ichsooio t^-'-ocoo ioohs* o o •<* co io c<i r— 

CO O CO CO H O H — ^*l t- H t- 00 O i-i -* O * CO t— O CO CO O O IiO CO CI i— ' CI 100 

mOONOO lO^-rtiCO^O CO O O CI lO HO O — "* O O O * »C Oi-^lOH^L-^ Hrj^ 

NtcT'ccccT i-i i—i o"o~'* t^o^cTco'co' o~o o~o~co~ c^To" , t— "co^cT 00~t-^iO Tt^OO H^O 

CI CO CM iO I CO t- CM CM CO O CO * O M3MCCO i— H ■* i-l III H (Ml 

Hi I I CM h I IHW IN rl ill III I I I 



OOCONt- »C ■* O 00 »C lO H CO CO t- CClOt-XHH OOlOCOO CI i— I O Hr 1 O OO 

CO O O CI 00 00 O O t— t— lO-HCON® OC'T — -H^O CI — OH- CO C- O CO O CO ON 

O Ol O OO O^OO^O^ 0_OlOCOCO_ KHXiOO O^O^^ c»CI ■* rHrq^iq© O CO 

t-To'cc"— hjT ocTcf o~co~ ioo~o~Ht>T of of* r— "to" oo"rro~o~ Hfodco'^nf co"cf 

rt - CO LO 05 l>C000110 OOCOOO t-HC-i O 00 O H ■* t-- C H ^ X H C". t— 

HlQIMnH b- O^C- CO COtOHOlO^ i— IIOOJCCM l— ICNH OH CO H rid 

t-i th i—i of co~ 



O O 00 CI O lO N T. X CO OCTHrii-iCl H O t- i-h H I0O-tH>0 CO »C Ol Ol JO 00 CI 

8 00 CI O CO OOi-ithO 000*000 * CO lO 00 t- Xi*OfOH H io i— iXO ox 

h»ioh o co it co^if coiomico ci t— xc^i 10 o oo th o io o oo o ci ooco 

cx^of-^o"co" , H~r-f oo o'co*' coTcoT o"o~io~ cfco*o*o~~r co" O h-~ H o »o i-Tt-Too'o" crrcc" 

COlQH^lO t- O N lO (N ^OOiON O O O CO Ol 00 t— O O O OO H/i IO 00 CI OO 

iOlONHN l>CM0OCO COt- 00 t- H 00 CM O CO H(Mn OH CO H H CM 



to 

a 
~£ 

CD *H 

CD 
<-■ 
cS 



<1 



(H 



Hr^ 'O ... ^ 

CD "^ H " ^-s <D 

,-^ *-v Q *fcS*H P M CJ 

r-l^^'—~ M • • • H ..... • • • >s u. ••«■)•• .^ iji O CD 






C8' 



fi-^r? b. . W .rrt A ft ..!*•.. . . £ £ O 



^ " c3 c3 <o 



£ -.2 "^ 



h e8 ^ ^ 



CD 



S S r-l • n y ••■«.•• • ■» • CD CD 



p^ 



qCOcCMW CO «flri.^ ^?(U-. ^CD 

to o a *fl fl fl a rt "3 P=) fa k- S Si T 3 ° h S ii S 'S ^ -m a '^ a c o d 

co S ^ SI Si JS r^ w fl " H^CwCDfH ^ V-a O Si H -HrtlHS^ S w 



<!*£ ^s- a ^5 ^ ' "sfi ''_§"' SS^lsls 5s S 



^i = ?^a ss§5^ **v%& 9«agg »e^a^ 8^355 ^^ 

cdSSSS 33 = g S ^ siSSa^ s5S?i=S .SsS-Sl^ s^g^ g? 



fafafaSS Sfaoed bdoWW WWMmm: ^hSM^^ II sH II 



n> li fH 2 ci) CD--'' - ''- 1 ^ -l,- '''C7'i T'SH'^ 2 tj i" « In r< H fn (-( 

2SSJ.2 ^ S 3 ci C3 COO^co ^^a^o CC3c3<DCDCD CDCD 

_^^i_, L_,,_,^_,as fH^k^T^ W-,»r<UHHWH HH 



Ivi 



REPORT OF THE 



to 

» O h 
O > "3 

C ft 



ooo 
o oo 
ooo 

o"of o" 

(Mt-N 



ono 

So o 
t-o 



o o ooo 

ooo o o 

10^0100^0 
©~nO t-^co o" 



oooo 
o oo o 
oo © © 

' © r)T© of 

rH <M "# r-l 



o oo o o 

o o © o 
©_©_©_©_© 
rH©*'©©*©"' 

01 © © rH Ol 

r-l Ol 



oo 
oo 
oo 






o 



Ol © 
rHOl 



a "« 

§1 



rHooco ©© 

CWCOOH 



© CO CO CO b- 
r-i rH rH CO CO 



©CO — IOH 
CO CO CO Ol CO 



Pi 

w 



CO i—l o 

CO © CO 



(fl (M OO (M tH 

-HflMrH 
Ol © i-i O CD 



b- Ol 00 © Ol 

00 CO -h © CO 
rH t- co^o co^ 

00 rH CO n 00 
CM iH 



lOOO'+X 
CO rH CO O 00 
•^lOHCOOO 

>o of cTo"-^ 

lO b- Ol Ol 00 
i-( Ol 



lOMNOM 
lO 00 O0 Ol © 
© © © CO r-l 

)Offin"ffiCO 
lO CO tH CM CO 

b- rH 1-1 



rH CO 
CM O 
rH O 



Ui ,_ oj 
to c _» 

o> « a 
83-8 

ft M 



© o »o 

O-tH 

*"l T ~l c o, 
c^b^io*" 

۩0101 



COOOCOCMCM rH CO iH © CO rH Ol r-l tH © t-<*ONO COCO 
© CO CM CO tH b- r- lt—i— I OO (M lOt-rHH r- 1 lO © CO © © -H 

OCMIOOCM COCOO0O0OO 00 t- "* O CO CO 00 rhl b- lO OO 



CO CO »o 

I I* 



lOrjlCCOrH 
I Ol Ol rf< 



CD S* 






o ^ 



© CO CM 
tH © t- 
CM © C© 

ccnTco 

CM CM 00 

i-( CO i-l 



^oco^cs 

CO >Q iO © (M 

rJH Ol^r-I O rH 

© lO of CO~r-T 

loeonoH 

r-l CM CM iH CM 



COONNN 
© O CM CO rH 
rH CM rH CO CO 

o"o — TocTt-T 

CO CO i-l W 00 
01»0 OICO CM 



HCOlQfflO 
CO »C CO OO CM 

lOt^Oo'cOCO*" 
CO b- b- © b- 

CCH COCM 



b- © Ol CD © 
rH b- CO O rH 
©CO b-^O^CO^ 

cc" oo'ri*' of oT 

b- © © b- r-1 
r-l CO r* r* iH 



CO b- 

~h rH 00 

io"i— i of 

01 »o i-« 

i-i COCM 
4© 



CO i-l CO CO i—l 
t- Ol 00 »fj rH 

lO©^©^©^ 

ofdrtfrfTco" 

»0 b- b- O "* 

i-l CM CM r-l Ol 



Ol CO CO Ol lO 
Ol i-i lO rH Ol 

OOiOiOHIO 

©"©" co"© of 
i—i 00 o i— o 

Ol ©OICO Ol 



lO O rH CO i-l 
OO i— i © CO O 
CO^b-^CM^i-^T^ 

rtlOb-OiO 
CO r-l b- Ol 



O CO CM 00 O 
O rH lO K5 rH 
CO O Ol b-^00 

co^rj"" i-Tco""© 

b- 00 CO rH CM 
ri Ol lO »C r-l 



CO CO 
CO CO 
rHOl 

rf of 

b- Ol 

i-l Ol 



O CD 
rH rH 
CO CM 

CO"b-*" 
L— lO 

rH CM 



« *-*M •- ■ _, * 

H* • -si ■■ • • •-§ - • -t- • • 

EW S . .g«g ^.^.. ^-E| ^||. .g 

Aii -r?ga §w Q §.&. 3® .Pig -§2^^. E^ 

fefe^ oSa^r* r^E^^ p.^o3?6- f^fSBs ^ 

C3 cc3 03 rW ^ ^ O O O oS f-; ^ ^ R r P SL- •- ^ X 03 S ^ 

egg ^^W^^ ^^2£p h-o^^® ^•^•sS'th rQ £ 

53-43-5 ^^^^^ rt^EE.® .So^bo c®^$^ p,o 

OSOSOS O>030)O)O> 0).r-iOO<H ^h0SCSO)O> 0),£3^5t-,CD C3 o 

£££ ^^Iz;^^ ^|z;^!2;o OPh^PhAh PhPhPhPhPh tftf 



INSURANCE COMMISSIONER. 



Ivii 



o 
rH 



ooo o oooo ooo 

01 OOO o oooo ooo 
o> oo^o o^ qoisq ooo 

rn" o~rno~ ' id o"o"cfni' ' o~o"o~ 

CM rH i— I rH rH COCO«(M NMK3 



(ft 



OlOlO 
rH iq oo 

o" n id 



rH rH a o cm 

t- H t- •* 35 

cr. co »d rH n 

CO rH CM CM CM 



^ootccco 

N CM CM' rH rH 

CO CM CO CO i-H 



t-OSrH 
i-H O C5 

id cd as 

CO CO CO 




>0 (M rH 



i— I co »o 10 CM 

co" cm" CO 00 CO* 
rH lO CM CM CO 



rH t-00 o t— 

OMOCiO 



CO CO CO 
OWN 



<M »G i-i CO CO 
-^ lO (M lO lO 

co a; n »o co 
n ofco~>dco" 



rH 00 GO — ( CO 

co~cm o co~o~ 

CRHOJNCO 



coo in 

CQi-*CO 

00 O 00 
CM CM tH 



CO 

o^ 
I »d 



O rHO 


00 O i-i o o 


rH CO CO coco 


COO t- 


rH 


»C -H O 


CO O CM CO O 


CM rH CM I— CM 


00 N lO 


t- 


CM O CO 


io ic c a h 


| CO i-i CO rH 


rH rH t- 


N 












00 r-l 


O CO CM rH CO 


1 CO N lO 1C 


lO O CM 


a 


r-l CM 


rH i-i rH 


i— i CO rH t— 


CO r-l r-l 


as 


1 1 


i 


r-t 1 i-i 


r-l 


CM*" 

6& 



t-CM rH 
lO i-i O 
r-H^N t- 

NrHCO" 
(MNH 
r-l <M r-l 



COlOlOOCO 
O 00 rH rH O 

O^cc io oqco^ 

r-TcO r^r-Tri? 

00 O lO CO CO 
CO i— I lO CO 



rHOiO CO CM 
l>- O CO i— I rH 
O lO^O rH_ 

oTco^rH o oT 

rH N rH CO OS 
CM CO CM CM CO 



NNCM 

O rHCO 
iO^nco 

O CO C5 
CO rH lO 
CO to rH 




NOOrH 

OCCIO 

cxcch 

OlOH 
r-l CM r-l 



COlO CO O 00 
CO OS CO N Ci 
CO O i— I N i— I 

cm o io co o 

rH lO rH 



OlOWOlQ 
lO lO 00 rH CO 
O^CO CO »C 00 

oT CM Oo'ldrH" 

<*ffit-HN 

CM rH CM CM 1Q 



CO b-CS 

Ol r-l CO 
O CM 0_ 

rH NO"T 
OWN 
CO lO rH 



03 >i U 



<t2 

c3 

CD " 

fc.5 3 

03 CD . CC CO 

4- «p ^ ^ 



eg o 

■ rH W 



ftp 

'cD 03 



f-lr^S 



O 03 



O 



* >> 






© <u 



c o 

'3 '3' 



I'd 

'3 



.9 'rd 

fl CO S 

° 2 pi 

fe o 03 

33 +3 • r-l 

Co cu r~j 



o 



ft 



Iviii 



REPORT OF THE 



o 






00 


jo rH © 


>* co 35 on 


t- CM 1- © © 


COHOOH 


JO CC CO IO 


i ® i 


H 


CO 


CD 


Ol 


c © o 


IC IO t- CC 


^f 1-1 © 1-H CO 


CM "Hi Tfl t- t— 


t- t— Ol rH 


"^ 


co 


CO 

p 

5 


g 


fT ' 


CM rH © 


CO CO O CO ' 


i-H ©i-H © Ol 


i— © Ol rH tH 


CO © ' CO rH 


CO 


CO 

O 
O 


o 

CJ 




JO lO CO 


rf CO iO CO 


IO ■* © T>l »0 


JO © rh CO © 

• 


JO rH © © 


JO 


CO 


T3 

CD 

> 


tH 


-h © co 


lO rh CO Ol 


IO CC CO rfi ■* 


© Ol CO rH © 


Ol © © CO 


t- 


o 


s 

CD 




CO 35 CO 


CO ■* CO CO 


CO IO <M rH © 


CO © i-H t- CO 


©35 © © 


JO 


H 


'S 


oi ' 


rH CC CO 


•— © »o co' ' 


© oi -h cc io' 


rr © JO ©' ©" 


CM 35 ' CO CO 


© 


<! 




« 


t- 


jo JO rH 


IO L^ IO CO 


jo >o © t^ JO 


JO l— rH CO t- 


© rH © © 


JO 


£3 


£ 


CD 
M 
















2 




o 


X X Ol 


lO HH O t- O 


lO © IO CM »0 


JO i-H rH t— rH 


CO rH Ol Ol 00 


© 






i— 


i— I t- rH 


i-i CO CO 35 CO 


CO JO CO rh CO 


© CO JO rH CM 


—H CT JO Ol CO 


rH 


£ 




CM 


t- I— © 


C5 CO CO O CC 


rK co io JO t- 


© rH JO i— i © 


jo © oo ao co 


CO 




~ I 


















CO ' 


CO CO CO 


CC -+ —1 CO CM 


© t- CO -HH O 


rH © JO t— © 


O rH — CO 


rH 


CD 




o 


O n r+i 


CC C CO 35 


JO CO CM CO I— 


t~ CO rH © CC 


t- © t- Ol 


rH 


CO 




rH 


t-COH 


CM CM CM IO 


Tj^CO JOrH © 


CM i—i i-H rH © 


rH CO rH rH 


1-H 


CO 

o 




<& 






T-t 






© 


►J 
















m 






Ol 


lO 35 35 


35 CO tH © CO 


CO © CC CO i-H 


rH n © © rH 


rH JQ CO JO Ol 


Ol 


CO 




rH 


© © *h 


CO -rf X i— CO 


ti © Ol © CO 


CO — CO CO © 


CO © rH JO © 


JO 


H ^3 




© 


t-. io i- 1 


CCXr-t> 


CM TT © "*l CO 


X iC '3 N JO 


OO Ol © Ol © 


rH 






^ 1 














.5 > 




© 


<*OM 


© © >C It- CO 


•* CM JO © CC 


JO © Ol rf © 


rH t- © Ol Ol 


©, 


S "53 
r o 




jo 


35 lO CO 


CM 35 3 CO lO 


CHithOC 


Cl-CIOt- 


L- Ol © JO © 


JO 




»o 


O^tO CO 


iO CM IO 35 


© © CC CM r-> 


IO Ol CO rH © 


Cll> CM © 






m 


i-H 




cm" t-T 




i-i 


© 
i-H 

m 






© 


CM rH CO 


CC t~ ; <+ l IO © 


1-h CO CO t- JO 


-H © Ol CO rH 


CO t- © CO rH 


© 


C 




o 


rH © rH 


CC © lO cc t- 


t^ CO CO Ol i-H 


IO rH Ol © JO 


rH JO JO Ol rH 


i-H 


&> 




X 


rH jo CO 


CO CO r* O © 


00 tr © CM t- 


n rH © © © 


© rH CM © JO 


lO 






" 1 


















t- ■ 


jo on fti 


© CO CM CC «* 


t- Ol Ol rH CO 


CM b- CO rH CO 


JO CM r-> t~ CO 


X 


J 




CO 


t-moo 


© t- t- © CM 


CO CO © © -H 


t- Ol l^ CO © 


CC © CO i-H CM 


X 




CJ 


rH CO rH 


t- t— 1-1 TH Tfl 


Ol rH 00 CM CO 


i— i CO JO I— 1 © 


© CO © JO rH 


© 




















CO 




CO 


CO -h CO 


CC t- OI © t- 


i-H CO © © © 


Ol © t^ t- Ol 


CO rH t- rH © 


c- 


r* 




© 


35 CO JO 


lOlMCDH 


CO CO Ol JO © 


© CM JO © Ol 


rH © Ol © 


t~- 


CO 




m 


T— 1 


i—l 


Th r-t i— 1 


ri 


Ol 


Ol 


(5 
















of 




CO 


CD 
g 


© 


CM CO 00 


t-© © © 


CO © Ol © t- 


© Ol Ol JO JO 


-h Ol rH © 


X 


ri 


CO 

o 


CO , 


t- co © 


1-h CO ■* CO | 


1-h t^ jq © © 


35 CO © t- CC 


CO rH | rH JO 


JO 


■^ O 




3 


CO 


l>- CO oi 


CM © t- oi 


©- © © Ol cc 


©" CO i-i ' CO CO 


© © rH CO 


©' 




5 




CM 


CM CM CO 


CO CO CM CO 


Ol Ol CO CO Ol 


CM CO CO Ol Ol 


CO CO CO Ol 


CM 


CO 

-A 


CO 


1) 


t- 


-H t- 35 


CO CO Ol © 


© © © JO IO 


rH -J- © CO t- 


© JO © CO 


X 




*g 


> 


CO , 


35 CO lO 


CM -+ r-< CO | 


© •* t- CO CO 


JO rH © CO i-H 


© rH | t-h CO 


CM 


5 


'a> 


© 


cc i t>I lfi 


H<" CO © CM 


toiH-Hrtoi 


CO © C0* © 35 


oi oi cc © 


rH 




£ 


CD 

p- 


CM 


CM CM CO 


CO CO CO CO 


CO CO CO CO CM 


CM rH CO CO CM 


CO CO CO Ol 


CO 






CO 


CO O CM 


CO IO CO © IO 


-* IO -f CC -H 


•rH X JO © t- 


I— JO rH 00 CO 


Ol 


CO 




CM 


IO i-l CM 


CO CO © — I •*> 


1-H CC n CO CO 


-NH<«cO 


© CO 00 CM © 


© 


0) 




CO 


I- t- Ol 


i-H CO CO t- CO 


IO © rH rH © 


rH CM © i-H © 


© CO © rH rH 


X 






•* i 














C 




t- ' 


"+ O 00 


00 i-i Ol CM 00 


JO Ol © CO t— 


rH © CC CO rH 


t- © 00 CO © 


rt? 


CD 




© 


t-IOn 


t- 1-H IO © 1-1 


Ol © JO © JO 


rH O© CO CO 


00 © l-H © © 


JO 






1—1 

m 






00 CM CM CO 


rH rH T—i rH CN 


JO 1-H 


© 


W 














jo" 
m 


>H 


















^ o 




00 


Tfl T— 1 JO 


© t- CM t— IO 


t~ CO i+i CO Ol 


© JO rH IO CM 


© -rH Ol JO © 


CO 


c >> a5 




CO 


CO CO 00 


IO CO t- © IO 


jc tM oi jo ■* 


© rH CO Ol © 


© © © JO rH 








t~ t- CM 


CO t- CO CM t- 


T— t- Ol rH t— 


rH JO Ol © JO 


©rt^© CM rH^ 


X 


CO t> p 




•* 1 


















CO ' 


CO CC CO 


© 00 © © © 


t- t- © CO CO 


t- CO © JO © 


i-i © jo"©"©" 


© 


Exce 

efl«'ie 

Incc 




rH 


t-O o 


© , CM CO CO 


-H f © © ■* 


rH rH 00 L- 00 


CO Ol rH CO 


© 




€# 


CM ri r-i 


rH j iH 


JO rH CM 


rH . rH 


rH 


x^ 












1 




CM 


c 
















m 


CO 




CO 


"* CO rH 


CO © CO CO «H 


© rH © O © 


© © © CO CO 


©© © © i-H 


Ol 


CD 




© 


t^ CO CO 


© i-l © i-i CO 


© Ol <* i-H CC 


© © © © JO 


rH rH CO JO rH 


rH 


pw 




JO 


** TH 1— ' 


© t- © CO © 


© t- © I— © 


rH t- rH CM JO 


IO © CO CM CM 


1-H 


CO JT 




- 1 














CO .~C 




JO ' 


CO ■* Ol 


ir- © co © i-i 


i-H © Ol t^ 00 


© CO rH JO rH 


CO Ol © JO © 


© 


p 1^3 




I s - 


t- CO CO 


tM i-h CO © CM 


CO CO CC Ol Ol 


rH © JO © t— 


JO M n © Ol 


© 


5 S 




JO 


O ■* CM 


■* CO ^ © 


OJ^IO L^ CM © 


rH CM Ol CO © 


CM -H CM © 






e© 


i-T 




CM" t-T 




r- 1 


rH" 


















m 


CD 




i-H 


00 35 35 


r— on io © © 


© © CO CO CO 


35 rH © CO © 


© CO CO JO rH 


© 


s 




CO 


O "* ■* 


lO CO © i-H CO 


JO © t- © © 


© © CO CO JO 


t- JO © © JO 






CM 


CM (M ^ 


© © CO rH i— 


HH.O0HHI 


CO i-H rH CM rH 


i-H rH X JO © 


© 




















O 




~ \ 


CM i-H CO 


CO t— ■Hfi t— © 


© 1^ CO rH JO 


© JO CO © ri 


© Ol rH rH © 


CO 






CO 


IO h- CO 


ic © io co co 


CM CC . r* © t- 


CO CO rH CC CC 


© rH © t- X 


© 


CO 




IO 


CO IO CO 


IO CO iO © 


CO © CO Ol Ol^ 


JO Ol CO rH© 


NX CM © 


© 


O 




^ 


1-H 




CM" i-T 


rH 


1-H 


k>-^ 


(4 
















m 


















• 


* 






e ' * ' 'S 




* . " 










e3 'J3 

— . . ^ . K 

O —i cS 
'S M -h 

. © c3 <P 

ad rrH 

r^ - hJ . c 








I* 




0) 

".5 


. . . 


..... 





CO Ij 


. 


< 

Oh 

o 
o 




■a 

2 c 
riE^ 


0> 
O cS 

CO 


<D CP 

©sp • • • 


CD 

§ ... © . 

M CJ 

g a 

b rn C3 
— C n -H . 

" 2-§ g 




• 




o 

w 

< 




<d c« g o g 

•g+jj S fl o3 
ViVi o.o s 


Pi rH CC3 * 

§§ a §.2 

MffiMr-lr-; 


•S -<lir?» 

o ® a a 2 £ 

CUrO Q -©Si 


£^©^ * § '^- - 

hOox ^ jc+-<r 

3^3JOi f! ^OOS U 


co 

+^ 
o 
H 



INSURANCE COMMISSIONER. 



lix 



Table XII. — Massachusetts Business for 1880. 
Massachusetts Mutual Fire Companies. 



NAME OF COMPANY. 


Risks Written. 


Premiums 
Received. 


Dep. Notes 
Received. 


Losses Paid. 


Losses 
Incurred. 


Abington .... 

Armisquam 

Arkwright 

Ashfield .... 

Attleboroiigh . 


$664,508 

89,900 

11,256,092 

5,24(5 

258,845 


$10,703 

97,420 

25 

1,754 


$32,108 
6,126 

487,100 

157 

7,136 


$4,414 

40,323 

1,124 

364 


$5,999 

40,323 

10 

1,114 


Barnstable County . 
Berkshire . . 
Boston Manufacturers' . 
Bristol County . 
Cambridge 


1,004,070 

1,108,999 

21,897,830 

640,100 

1,606,610 


17,077 

14,876 

191,068 

4,089 

21,081 


32,709 
44,627 
958,339 
81,788 
42,096 


3,568 
7,718 
60,442 
2,219 
1,829 


3,043 
4,737 
60,442 
2,193 
1,829 


Citizens' . . 
Cohasset .... 
Cotton & Woolen Manuf . 
Dedham .... 
Dorchester 


4,594,353 

49,980 

950,822 

512,000 

2,850,793 


59,145 

764 

9,502 

7,835 

41,476 


121,915 

3,057 
47,510 
15,547 

82,952 


13,636 

210 

1,397 

15,809 


14,277 

350 

210 

2,270 

14,901 


Essex . . . . . 
Fall River Manuf turers', 
Fitchburg .... 
Franklin .... 
Granby .... 


87,200 

4,648,643 

3,871,656 

527,241 

16,715 


1,571 

41,772 

56,284 

6,378 

92 


4,712 

208,860 

56,284 

19,134 

752 


102 

15,075 

29,132 

3,115 


102 

15,075 

25,626 

1,226 


Groveland 

Hampshire 

Hingham .... 

Lowell . 

Lynn . . 


415,284 
743,430 
3,910,237 
803,498 
331,620 


9,338 

69,681 

8,728 

4,599 


24,160 
28,013 
137,920 
26,183 
18,394 


396 
3,941 

25,797 
957 
821 


396 

3,941 

28,206 

957 

306 


Merchants' and Farmers', 
Merrimack . ...-'.. 
Middlesex . 

Mil ford .... 
Mill-Owners' . 


3,165,380 
3,770,054 
4,212,950 
162,834 
4,797,366 


44,413 
46,992 
62,718 
1,800 
44,011 


88,826 

99,962 

62,718 

5,400 

220,057 


9,305 

12,608 

14,736 

20 

22,149 


8,642 

15,051 

14,736 

20 

22,149 


Mutual Fire Assurance . 
Mutual Protection . 
Newburyport . 
Norfolk . ... 
Quincy .... 


712,800 

214,875 

95,500 

2,387,050 

6,444,040 


11,191 

2,104 

1,201 

36,446 

90,126 


22,381 

6,311 

9,609 

71,535 

90,126 


2,267 
5 

14,716 
20,799 


2,267 
55 

14,382 
22,095 


Salem .... 
Salisbury and Amesbury, 
Saugus .... 
Shelburne .... 
South Danvers . 


350,865 

30,529 

830,325 

3,900 

143,250 


5,092 
246 

17 

3,147 


15,203 

2,459 

100,130 

170 

9,441 


2,886 

1,450 

528 

45 


2,886 

1,450 

528 

45 


Traders' and Mechanics', 
Westford .... 
West Newbury 
Worcester Manuf 'turers', 
Worcester Mutual . 


3,556,599 

70,175 

212,200 

7,582,005 

6,374,038 


49,911 
617 

65,744 
94,579 


49,911 
1,240 

12,505 
328,718 
189,158 


11,267 

466 

650 

26,982 

30,265 


11,317 
466 
650 

26,982 
25,053 


Totals .... 


1107,962,407 


$1,235,613 


$3,873,439 


$403,533 


$396,307 



Massachusetts Mutuals with Guarantee Capital. 



Hoi yoke . 
Massachusetts . 

Totals . 



$5,114,168 
2,201,471 

$7,315,639 



$67,933 
17,455 

$85,388 



$67,322 



$67,322 



$16,353 
7,107 

$23,460 



$13,053 
7,107 

$20,160 



REPORT OF THE 



Table XII. — Massachusetts Business for 1880 — Continued. 
Massachusetts Mutual Marine and Fire-Marine Companies. 

Fire Business. 



name of company. 


Risks Written. 


Premiums 
Received. 


Losses Paid. 


Losses 
Incurred. 


Boylston Mutual . . . . 


$7,039,083 


$40,777 


$14,423 


$8,652 



Marine Business. 



Atlantic Mutual .... 
Boylston Mutual . 
China Mutual .... 
India Mutual . 


$456,945 

8,487,983 

17,992,783 

2,832,805 


$24,833 
135,166 
369,010 
106,225 


$22,412 

107,016 

235,404 

82,031 


$14,356 

105,616 

225,404 

83,031 


Totals ..... 


$29,770,516 


$635,234 


$446,863 


$428,407 



Massachusetts Joint-Stock Companies. 

Fire Business. 



American ..... 


$3,419,593 


$18,563 


$2,709 


$3,086 


Commonwealth .... 


8,612,386 


69,409 


35,661 


27,951 


Dwelling-House .... 


3,214,353 


20,992 


3,876 


4,936 


Eliot . . 


2,100,472 


20,861 


13,134 


5,759 


Firemen's Fire 


5,582,560 


52,559 


35,953 


27,928 


First National Fire 


3,796,898 


45,017 


25,028 


27,103 


Franklin of Boston 


2,102,849 


20,293 


20,124 


12,203 


Gloucester Fire .... 


1,639,956 


20,144 


18,670 


14,756 


Manufacturers' Fire and Marine, 


14,363,000 


117,903 


44,321 


58,932 


Mercantile Marine 


3,040,530 


14,247 


5,731 


3,158 


Neptune . . 


4,165,213 


45,031 


44,726 


31,726 


North American .... 


3,933,590 


25,590 


6,662 


8,142 


Prescott ..... 


5,075,565 


51,700 


15,542 


19,557 


Revere Fire . 


3,426,910 


31,475 


21,730 


17,022 


Shoe and Leather 


12,796,324 


106,779 


54,267 


56,478 


Springfield Fire and Marine 


10,526,376 


105,187 


74,571 


62,684 


Traders' and Mechanics' . 


1,921,909 


17,964 


16,665 


16,665 


"Washington ..... 


6,299,447 


42,610 


36,198 


23,576 


Totals . . 


$96,017,931 


$826,324 


$475,568 


$421,662 



Marine Business. 



American ■ . . . 
Beverly ...... 

Boston Marine . . . . 

Gloucester Fire .... 

Manufacturers' Fire & Marine . 

Mercantile Marine 

Neptune 

Salem Marine .... 
Shoe and Leather 
Washington ..... 


$4,623,339 

2,721,528 

27,935,500 

199,992 

25,164,812 

3,177,370 

1,478,952 

3,057,103 

21,384,984 

6,664,614 


$60,617 

39,998 

612,281 

8,340 

168,952 

46,202 

44,194 

52,497 

230,618 

106,382 


$58,782 
11,815 

317,113 

4,651 

75,425 

50,199 

35,211 

29,259 

113,061 

54,886 


$58,768 

5,340 

338,818 

1,674 

42,812 

49,869 
31,211 
29,259 
174,757 
58,808 


Totals 


$96,408,194 


$1,370,081 


$750,402 


$791,316 



INSURANCE COMMISSIONER. 



lxi 



Table XII. — Massachusetts Business for 1880 — Continued. 

Companies of Other States. 

Fire Business. 



NAME OF COMPANY. 



Risks Written. 



Premiums 
Received. 



Losses Paid. 



Losses 
Incurred. 



iEtna 


$14,279,477 


$132,147 


$88,354 


$85,681 


Albany 


635,102 


4,896 


8,768 


6,269 


American 


1,14(5.819 


6,151 


11,911 


5,763 


American Central 


1,459,055 


17,476 


16,119 


15,950 


American Exchange . 


415,774 


3,504 


455 


455 


American Fire (New York) 


1,468,910 


6,954 


13,630 


8,977 


American Fire (Philadelphia) . 


3,204,644 


20,957 


13,591 


' 8,906 


Atlantic Fire and Marine . 


831,481 


7,610 


8,001 


6,368 


Buffalo 


775,376 


5,632 


12,778 


6,623 


Buffalo German . 


1,922,287 


16,882 


14,313 


11,776 


Citizens' (New York) . 


2,516,485 


19,164 


19,069 


16,763 


Citizens' (St. Louis) . 


1,015,541 


9,999 


8,985 


8,985 


City Fire ..... 


1,235,812 


4,661 


11,073 


4,901 


Clinton 


1,527,068 


8,390 


8,408 


8,408 


Commerce 


1,134,428 


10,680 


14,137 


11,294 


Commercial Fire 


1,784,704 


15,7V 9 


5,895 


9,591 


Commercial Mutual . 


455,154 


2,485 


1,168 


- 


Connecticut Fire 


3,380,500 


32,183 


14,876 


16,010 


Continental 


6,357,476 


48,740 


19,044 


24,582 


Delaware Mutual Safety . 


3,018,275 


11,846 


7,721 


7,721 


Enterprise Fire and Marine 


1,801,364 


23,321 


16,915 


17,113 


Equitable Fire and Marine 


2,396,002 


19,166 


16,965 


12,898 


Exchange Fire .... 


1,303,991 


8,732 


12,800 


13,049 


Farragut Fire .... 


506,714 


3,830 


5,857 


4,354 


Fire Association .... 


6,729,306 


79,127 


61,914 


60,565 


Fireman's Fund .... 


1,355,009 


11,811 


3,755 


3,755 


Firemen's (Baltimore) 


1,170,411 


11,114 


14,371 


10,580 


Firemen's (Dayton) . 


718,218 


6,518 


7,491 


4,375 


Firemen's (Newark) . 


1,359,872 


8,728 


10,548 


8,176 


Firemen's (New York) 


980,837 


4,441 


9,534 


7.238 


Franklin 


3,276,618 


33,171 


32,865 


32,865 


German American 


7,395,164 


61,620 


37,747 


31,179 


Germania . . 


4,463,896 


40,611 


32,129 


31,122 


Girard Fire and Marine 


9(58,665 


6,376 


13,391 


6,255 


Glen's Falls . . . . 


1,621,283 


11,233 


5,987 


3,874 


Guardian Fire .... 


1,700,000 


5,947 


5,988 


5,988 


Hanover Fire .... 


4,713,427 


39,573 


23,750 


27,387 


Hartford Fire .... 


7,610, 165 


72,478 


57,098 


53,289 


Hoffman Fire .... 


1,947,365 


18,114 


9,279 


9,289 


Home 


17,092,774 


144,191 


73,313 


66,427 


Howard 


3,138,995 


24,321 


20,445 


15,670 


Insurance Co. of No. America . 


10,442, 199 


98,052 


50,347 


50,347 


Ins. Co. State of Pennsylvania, 


1,633,466 


• 18,474 


12,123 


12,779 


Irving 


306,118 


3,306 


4,250 


2,300 


Jefferson . . 


705,177 


2,625 


1,210 


1,210 


Knickerbocker .... 


629,688 


3,809 


4,346 


4,594 


Lamar 


1,368,284 


10,550 


8,794 


7,71(5 


Lorillard 


1,750,004 


11,380 


8,173 


10,142 


Manhattan 


3,490,223 


33,970 


28,007 


20,207 


Manufacturers' and Builders' . 


629,688 


3,809 


4,346 


4,595 



]xii 



REPORT OF THE 



Table XII. — ■ Massachusetts Business for 1 380 — Continued. 



NAME OF COMPANY. 


Risks Written. 


< 

Premiums 

Received. 


Losses Paid. 


Losses 
Incurred. 


Mercantile .._..*. 
Merchants' (Newark) 
Merchants' (New York) . 
Merchants' (Providence) . 
Meriden Fire . . 


$305,720 
2,692,641 
668,143 
3,086,685 
2,118,621 


$1,048 
21,391 
3,787 
30,047 
23,834 


$1,978 
16,846 
6,771 
22,586 
16,332 


$26 

11,584 

2,836 

16,399 

16,132 


National Fire (Baltimore) . 
National Fire (Hartford) . 
National Fire (New York) 
Newark City .... 
Newark Fire . 


1,515,252 
2,783,190 
1,640,053 
653,841 
1,766,414 


13,344 
22,106 

11,987 

7,587 

18,900 


17,122 
21,381 
9,857 
13,209 
14,768 


14,491 

20,398 
7,069 
7,532 
9,550 


New Hampshire Fire . 

New York and Boston 

New York Bowery 

New York City .... 

Niagara Fire . . ■ * . 


3,458,031 
744,716 
2,427,538 
1,856,530 
4,332,293 


36,262 

5,244 

11,773 

16,351 

37,184 


21,545 
2,658 

13,763 
9,000 

16,719 


16,867 
2,658 
8,000 
9,000 

15,237 


Northern ..... 

Northwestern National 

Orient . . 

Pacific Fire . . . 

Park Fire . ... 


1,709,000 
1,576,573 
3,011,833 
1,841,286 
589,119 


9,982 
11,589 
28,475 
14,168 

3,960 


9,701 
20,713 
14,222 
12,542 

1,286 


10,701 

14,824 
10,512 

7,897 
1,486 


Pennsylvania Fire . . 
People's (Newark) 
People's (Trenton) 
Phenix (Brooklyn) 
Phoenix (Hartford) 


5,781,845 
1,729,193 
2,256,679 
7,121,742 
7,513,151 


56,223 
19,619 
16,826 
55,798 
.73,656 


44,137 
19,393 
16,304 
46,267 
43,908 


37,804 
15,695 
12,949 
43,855 
41,042 


Providence Washington . 
Relief ...... 

Republic Fire .... 

Rochester German 
Rutgers . ... 


5,110,448 

1,139,416 

946,734 

2,180,218 
1,445,869 


45,403 
9,132 
5,462 

19,784 
9,801 


22,435 
12,557 
3,861 
18,589 
12,006 


21,005 
12,557 
3,861 
18,589 
12,006 


Security ..... 
Standard . . . . , 
Star Fire ..... 
Sterling Fire . 
St. Paul Fire and Marine . 


1,267,414 
1,309,190 
1,979,235 

629,688 
1,048,186 


12,801 
14,001 
18,767 
3,809 
10,467 


20,194 
10,983 
14,493 
4,346 
10,483 


11,965 
9,266 

14,743 
4,595 

10,449 


Trade ...... 

Traders' ..... 
Tradesmen's Fire 
Union (Philadelphia). 
Union (San Francisco) 


735,804 
1,400,754 
1,963,329 

3,580,922 
278,887 


10,043 
14,676 
19,197 

27,575 
1,637 


13,871 
16,461 
15,274 
20,169 


13,871 

6,353 

16,284 

20,169 


United Firemen's 
Watertown Fire . 
Westchester . . . 
Williamsburgh City . 


976,872 
3,880,000 
5,293,140 
3,871,640 


15,689 
31,091 
51,217 
26,381 


16,095 
29,517 
40,195 
16,212 


10,153 
30,317 
28,006 
16,212 


Totals . 


$243,987,126 


$2,104,628 


$1,623,383 


$1,428,306 



INSURANCE COMMISSIONER. 



lxiii 



Table XII. — Massachusetts Business for 1880 — Concluded. 

Marine and Inland Business. 



NAME OF COMPANY. 


Risks Written. 


Premiums 
Received. 


Losses Paid. 


Losses 
Incurred. 


Atlantic Mutual .... 
Commercial Mutual . 
Delaware Mutual Safety . 
Great Western .... 
Insurance Co. of No. America . 

Northwestern National 
Orient Mutual .... 

Phenix 

Providence Washington . 
Union (Pennsylvania) 

United States Lloyds 


$14,199,034. 
1,806,781 

35,074,036 

8,081,882 

57,291,219 

1,285,428 

753,328 

14,406,893 

523,750 

363,380 

1,040,044 


$246,192 

21,825 

462,444 

65,205 

411,567 

8,330 

31,686 

71,514 

2,294 

5,650 

13,299 


$67,409 
13,332 

184,349 
10,906 

227,756 

5,651 

46,764 

63,840 

401 

5,968 


$67,527 
13,732 

175,231 
14,406 

214,021 

6,327 

25,220 

55,972 

751 

8,812 


Totals ..... 


$134,825,775 


$1,340,006 


$626,376 


$581,999 



United States Branches, Foreign Companies. 

Fire Business. 



British America .... 


$3,637,455 


$34,118 


$47,734 


$32,841 


Commercial Union 


15,447,767 


88,318 


79,184 


59,310 


Confiance 


4,997,486 


43,604 


32,119 


37,528 


Guardian Assurance . 


4,844,173 


38,864 


26,906 


22,500 


Hamburg-Bremen 


3,304,503 


25,505 


30,873 


22,773 


Hamburg-Magdeburg 


1,476,699 


9,790 


19,640 


18,334 


Imperial ..... 


3,344,818 


29,306 


30,201 


23,896 


Lancashire 


6,958,889 


67,781 


45,111 


44,137 


Lion 


693,382 


4,347 


- 


- 


Liverpool and London and 










Globe 


23,836,929 


167,795 


88,219 


65,193 


London Assurance 


7,080,005 


49,544 


26,964 


25,176 


London and Lancashire . 


5,000,752 


44,981 


28,794 


26,364 


Metropole 


10,368,608 


93,638 


42,522 


37,186 


North British and Mercantile . 


10,977,525 


86,252 


59,075 


54,204 


Northern Assurance . 


3,344,818 


29,306 


30,201 


23,896 


Nortb German .... 


3,150,809 


28,400 


32,355 


25,724 


Norwich Union .... 


2,458,511 


15,354 


12,904 


12,904 


Phcenix Assurance 


5,310,305 


38,108 


18,782 


20,082 


Queen 


8,854, 565 


79,753 


63,080 


68,926 


Reassurances Gencrales 


2,634 ,625 


26,095 


34,012 


34,697 


Royal 


14,706,864 


142,196 


85,460 


79,362 


Scottish Union and National . 


585,098 


4,166 


- 


- 


Transatlantic .... 


1,568,043 


14,042 


15,614 


12,127 


Western Assurance . 


2,227,727 


25,759 


32,026 


33,026 


Totals 


$146,810,356 


$1,187,022 


$881,776 


$780,186 



Ixiv 



REPORT OF THE 



fa 

CO 

H 
H 
W 

CO 

P 

o 

<j 

CO 
CO 

< 



rH 

o 

r»— 
■+3 



e 

CO 

o 

-t-» «- 
?h cc 

O CO 

ft © 



o 

-M 

d 

-us 



CO 


OS 


CD 


00 




O 


00 


O 


S 




CO 


« 




00 


^» 


•^ 


r- 1 


X 


CO 


a 


co 


O 


'r-t 


lF 


•— i 


to 


s 


H 


-i-3 


^ 


CO 


CD 


CO 


h- 1 


co 


<4> 


H 


d 


fc» 


«1 


CD 


m 


H 

CO 


C3 
co 

co 
03 


"S> 


W 


S 


CD 


tf 


fi 


rO 



9 & 



co 
o 

-us 
co 


5«. 

CD 

§< 




*. 


■+-> 




CO 


^ 


CD 


o 


-us 


8 




r> 


• 1—1 

cS 


to 




CO 


d 


co 
cv> 


-us 


C5 


• 1—1 




rO 


5^ 


rd 


ff 


M 


» 


0) 




CO 


Ci5 


C 




o 


i 






-US 




o3 


• 


r— I 
3 


< 


,Q 




cS 


w 


-t~> 


r-1 


bn 


PQ 


O 


4 




H 


o 












o 




«H 




CD 




-s 




H 







HHNrflO 1 


lOiOOCOCOCOlOrHCMCMOO 1 


""* rH CO CO 


e£ CO 






00 


?— 1 r-l 


r-l 


























S-> CO 


















eS O 


















P-, r-J 


















>H CO 

-in CO 


! 


1 CM 


INNiO I 1 1 
Oi 


1 CO CM 


I | i— 1 rH r-1 


rH CO 1 1 


O CD 






T— ( 












•d 


O 


lO 


•O CO o 


O LO 00 CO H lO o 


IOOOOOCO 


co co o 


to 


"* CJ Ol "O OT lO N N 


r-t CM CO 


OiCOOOOCOCOCOO 


05 


TjH 


t- 


CO r— 1 


Qt)hWh 


rti lO ^H 


CO OS CM lO CM 00 GO CO 


3© 


1 " 














■u 


' Ttl 


TjH 


r-i r-l rH Tfi CM CO CO 


' N iO 00 CO OJ O 


a 






o 




OS rH 






CM 


o 

a 






1—1 










lO 




















OOOOTHO(Mi0O00i0NMOiOOi0O(X)O(MO 




lO 


H <* CO CI O OO CD lO N N h O O (N >fl H O CO rft 0Oh 




• 


CO CM 


r-i CM "* !>• iO i— i 


iO H W H N (N Th.O CO CD O CM 


CO 


M CO 


CM 


CO r-i -*H Tfl CM CO CO 


Oi O CM CM Ttl rH CO 


o 






05 




CM r-i 


r-i rH 


v— 1 


CM 


rA 






r-l 




r— 1 






lO 




o 


OOOOiOOiOOOO© 


oooooooo 




Oi 


OOCOiO 


h- o ^ O O OS o 


oooooooo 


w 


CO 


iOCOOtPOOiOHWOOS'O 


>OCOCOiOOOCOO 


S 


CO 


1 oo~ 


CM 


CM CO CO CO OS rtH H 


' o'cOOOCONNON 




**i 




CO 


CO O rti CM 00 CO lO 


rH CO CO 


rM 


CM "* 


CO 

a 

i— i 


۩< 




pH 




CM rH 






Oi 




HHOJ^NCJOiOOWCOOlNHfNWOJHlOTtlCDCO 


Jo £ 






t^ 


CM r-l 


CM 








1 h 






CM 












fc "S 




















• 


. . 


. . , 


.... 


• • • 










CO 


















o> 
















^ 


"S 
















» 


o 

-l-J 






























H 


o 
















P-i 


c3 
M-H 














03 


O 


d 
d 

03 

d 

rH 
-US 


" co 
CO 

r-1 

CD 

• d 












CD 


03 

. CD . 
• r— i ' 


CD 

!M 

1=5 

O co 
. J3 CD • 


CD 

co *r! 

£ o 


03 

CD 

• r-t 

. . . CD • 




ri 
O 
-us 
O 

. <^ 
«r-l 




C 

CD 

a 

CD 


O 

• l-H 

-us 

O 

. CD 

«4H 


rQ 
-us CD 

CD O 


bjod 

d ° 

^r£?<D 


1 S 8 

M £3 -US 

O d co 

"■+3 CD CD 
C3 O O 

" J CO CM 

03 c3 03 

i-i^ -US -us 
O O O 


T3 

co r-j 

co CD 3 

..2'S g . 

rH O «+H 




d 
d 

o3 

• s • 




ft 

a 

•r-i 

i 

"el 

r-l 

d 

-US 

1— 1 

o 

• r-l 


d 
o 

,r d 

co a 

co ^ 

3 CO 
O CD 

!'£ 


-us -us 

c3 O 

co > ,cd 

2 ft ^ 

rd P 
CO r^J Ct 

- d S 

CD CO CD 

pO a^ 

rH r^ CO 


ua ° .5 

co a CD & 
n 3 CD 

■g fcJOC d 

rr? CCS .r-l O 


O -us ^ 
-us o T2 m 
o oi o cd 
<£ C+H o3 T 1 
• "^ d £ 
d a °? P 

«J fl 3 ft"£ 

-5 a I g * 

rd a d rq =+_, 

•si R JL co i 

, ' d CU 

44 rd o d CO 

.2 d -^ cc5 CD 


CD 
rd 

o 

■p 


T3 
O co 

co O 

d co a 

i ^-rd 

cd o3 73 

trj tlCO 




bJO 


ud c3 


c5 c3 cC 


-3 o o o 


O O O 


r_ rH S^^fl 






<<& 


^n ^v^ /*r* 
rtHM 


^pqpqpq^pqpqpqpqpqoooo^u 



INSURANCE COMMISSIONER. 



lxv 



OONCOM05N050HHW I lOlNtM^HiOH^MHiOTHH 
i— i r— CM i— I 



CM CO 00 



I o I lo I | cd b- | 

CD 



IHCO |H | H IHHIO I I H-^OJ I H I I ! 



(MCOCOCMCOOCOi— tb-OCMOOCOrH 

OiCM(NC00505HO^"*r-iOOC0»0 

"OOOOOJhCOCOO COCOriiO 



CD 
CO 



CO005HOOHO1000CDW 
CDN-HNrtHHOOOOtMW 
»OCMN© t^^HOO CM © CO 



CM CO tJH CO CD i— ( 
Tfi i— i rti 



CC O 
CO iO 
i— i CO 



CM CM 



"* 



oo 



CD CM 

CM 



CD ** 



to ■<* co 



iOOO^OiOiOaOOiOOOOCDiOOOCOOOOHiOG(MiOiOOO'-iO 
OOHOOOCDOCO(M(Mr-CDOiOONOOOaiO©N(NOCOb.CDOtNO 
© CD CO i— ' CD OO CD © rr 1 r- 1 WCO-HiONr-i Wvp- 'O^O CO CO i— I »0 ^ CD 00 



COO'<*ICOCDCMCM1^CO 
© i— ' 00 CO oo 

CM r- 1 r-l r- 1 rjH 



CM CO 



OO CO t> CM 

CO 



CM i— i CM 



o "<* co 



OCOOOiOOOOiOOOOOOO 

o-^©©t>.©©©cD©©©©okO 

CDCOCD»OiO^COCOr-ilOCOOiOiO(M 



o 
o 

GO 



OOOOOOiOOOOOO 
iOt>.tQOOOCMOOOOO 
CMCMCOOOCOOOOiOCOt^r- < 



CDlO^i— iCO»OCOt^t-~ 

i— (IOCMCOt— iC0COCOt*H 

i—i CM CM CO iO 



CO CM CM 



CO 



Id 



CM 



O CO 
CO CO 



t- 00 

i-i o 
CM 



lOOOCD 
IO CO 



OOCOCOCO^t-CDCDCO 

rH i—l i— ( CO 

CO 



CO 



CO CM 00 CM iO 



CO CM CD CO 
CM 



CD CO CO i—l CO GO 00 



O 

03 
P 

03 



P 
O 

-a 



p 
I 



H3 
CC 



o 

CC 






CD 

Sn 
o 



"T1 


o 


^H 


cd 


Rt 


■-M 




!=! 




P 


rQ 


ce 


ni 


S 



oj 8 

co O 

co a 



S3 

.jpg 'S 

I I 

P p 
o o 

-P -t-> 

o o 
OO 



Pi co 

o p 



bo 



p 

CC 

aT 

O 
O 

bo 



o 

Pi 

cc co eg 

<4H " 



a; 

44 .p 

p 5 



P M 

O CD 

O Fn 

H O 



CD 

co <x5 

p a 
o 5 



CD fP 



°H bo 

-1-3 t3 
cC p 



53 oc cp 



c 
o P 



CO 

'cn~a 
o 



.p bo •.' 



CO jg cC 9 



cp «3 



CO 
CD 

s- 

„ o 

CO -4_> 

^3 co 



CO 
CD 
<lH 

Si 
Q 
-P 

o 
S3 

4-1 

13 
P 



? «• £ 



CD OJ 

i-t co 

O P 

+^ O 



CD 
CO ~ 
CD O 

O 'f 3 



co cC 



S3 



K 



co S 

CD o 

o 



^H 



3 CO 



CJ S 
.<3 CC 



CD 



CD 



<^ P P 3 
Q O P Q Q Q P P p^ f^ ft, 



Ph 



cC CD 



• rt CD 
CC CD 
— Si 

OO 



P t 

2 S 

OK 



CD 

CO Q 

G ' CD 
Si r->4-> 
cC CC O 

WWW 



co ^d 

CD o 

B co Si cC 

• i O ■ — i 



CO 



co Cl 

3 cC 

O P -^ r=1 t 

^ <-. CD CD ^ Q 

', m k fez S S 

?5 fl % V S cC 

t— I Hi l ""3 •"? '"J >— 1 



Ph 



lxvi 



REPORT OF THE 



(Mrt(MCOCDit5NHWOOOH(MH005Hi0^l(M(M I OS 00 CM CM 
r— I CM t-H ri OJ 



I IHHIO IN I I I CM I I CM CM I |H I | i-l i—l | CM CO iO 



OO^iOr3C]HiONOOOOCDOOCOOOHWOOiOOOOCOa-i 
OON001<»ONCOC>JOC'ICO<*>OhWiO!MCOiO'-iOOOt) , CO 
OS CM 05 00 OS OS CO lii-iMNniOQiOHOWONiON'OCW 

k-r^-jT'-^"^ ^Tv^r_r «-r co"" ao~ oT cm o cm 



t>- CO rfn tH >0 

CM CD O 



CO lO 



O 
CM 



rfi(MO00 
CO i— i rjn 



© O CO *o CO i— i CM >o »O>C0 lO O O *o oo »o O CO O CO tO O'-CM CO-CM CM 

iOOCMCOCDONWOl'-TfiO^NiO'VOClCOOOIOOOl<'T OS 
M CM O t Tf< O "X) OOiOC3HNCONOiOOCOiOO(M0500CO 



€^ 



00 lO "* 00 Ol 

Ttl CO CO 



CO CM CM 
CM 



CO^CM CO © © CM CO CO CM »G CO OS CO 

CM i— l CO lO i— ( CO i— I 



000000000 0«30000©OOHOOOOOW>S1 
© © O O © lO lO © o © — - to © lO © O O O CM O O ©lO © <M CM 

Tf*OiO(M>OiOCOCDOOOONO»OCDOiOCQOONiOOOiO'*(M 



CM to CM CO CO © ^ 

3^ rti CM i— » CO © r— 
t-l CM «*l 



CM 



OOCMMOOi'-'NC5N>CDrH 
"^ TFCM CM CO CO CM CO i— I 
O CM 



i— i co -ti co 

*— l © 00 OS 



CM 



CO b- 



\0 rfi i— I CM © © 

t— t CO CM 



CNWNMHCO^CNCOrtaOiON 

i— I rH CM 



S £ 






CD 
!> 

S3 

rP 
P 



r*S 

o 

bJO 






CO CO 
CD i— i /ri 

-22 fe -° _o 

J3 m « ^ 
* [LCD 
O £>rO 



Qj co 

1o p 



C CO 
3 CD 

"el O 

rrj CO 



O 
O 

S3 



&J0 



CD £h 

•r 1 O 



O 

-1-3 

a 

a 

OS 



CD 

C3 CD •!—> •!—! •!— I — ' |_ 



Cr- S 



rQrO 

CD -H 

c$ c3 



c3 

o 


,5-1 
CD 

• i-H 


CO 

CD 
O 


rC 
-r= 

o 


CO 

o 

-t-3 
CO 


ct ^ 


Offi 
Oil 
Oil 



o 



Cm 
o 
rO 

co 



— /** CO 
rB8S 



' BO rt 

BB 
° S 

co i P 

^rW 



-r= 



CD 



1- CD CD CD CD 

.3 a&,ftcio _ 
c3 c5 c3 c3 c3 rP -i—i 
fL, P-, p_| fL, (X Ph Ph 



be g >• 

• r^'S 8 

PhP-iPh 



T3 
CD 



c3 

o 
o 



-r=> 
. O 

co d) 

rO ^ 

.s 8 

3.-S 

PHP4 



INSURANCE COMMISSIONER, 



lxvii 



COt-ICOCD«*ItHCM'- ( CO 
CM 



i— I t>» CO CO <M, CM CO <M *n* Ol 

CM r— i tJi r~i 



CD 
(N 



IClOkOCOCTHiOWNOl I 



CM CO 
CO 



I I I 0OOit> 



co 

OS 



rj* O O iO iO O lO O O 'O O O ^ O H iO 
^NTiMO-f^OtMiOfflTllOOCiOOON 
ONOI^IMCOOMOiO WC5HO 



I>- — < CD CO 
CD i—l 



CM CO 



CD O 
GO 



O — < CO 
CM CM 



o »— i b- co 

CO T* O — I 
CD ^ OS i— ( 

1 >0 OS •— i 

CO rHlO 

r— i ^ 



t— < 
iO 

oT 

T— • 

co" 



^OiQOOiCOOONOOOiiQtDiOOOOHO 
■^ON'^NNCICD'-iCOr-iOC-IOiOODWCOC'^OO 
O00'*Ni0aiNI>'^(MC0O(MC0O CO CO CM b- lO 



lr^ Ol 1^ CD 

iO CD GO 



MWO00N 
CM O 






IO 
CO 



GO CM 
t^ CO 
t-i t- 



CM 
CM^ 



OOOOiOOOOOOOOOJOOO OONO 
OOiOiOOlOOCOmO^iOCDOOCD OOCON 
OCiOCDCO^ONOiO ■'tiCOCD'* t> lOOCOO 



t^. O CM CO 
CM t~ CM rH 



(M OO r-l |> Cl 
T— I Oi Tfl O 



(M h O !D N 
r-l CM CO lO »H 



!>• CM •— i 

t*i CD 



lO^ 

co" 

CO 

o 



m 



COCOCOf— (t>C0C0CDiOC0C0T-(00i005CMCMC0OOOi 
r— I i— I CM lO CM CD rH 



CM 
CM 



53 

£ 

**p— i" ••••••• 

r© 

fc/D OJ 

(U'-'M r^H • 

g> fsfe g o| 2J|3 SB J 

' — ' rt nw/> O tTj „ ._i «j in a co fr> ~2 r „ .rH ir: 

r^r^^"2rC:Ti W3 H- J >ilW^2 >Ti rH , ?i° l> " 

IS * § s bP^I > i W-S'? §.§ s.&'S'B? 
|| S-9| Is £ | £ W2«SllvJgigtgg 



oe 

-t-3 

o 

H 



Ixviii 



REPORT OF THE 



•aaqraaosa 



I IH IN IH |H IHIO I ! I H CM I I I (M I H I 



aaqui9AONj 



I I I m IH I | _ | ,_( | |H |«HH I HH I 
CM 



uaqopo 



|H(N | |HH I I (MTO I I I I I I i— I 1 I CM H 

CO 



J9qraa;dsg 



I l(N IN |CO I I |HCO |H I I I I I 
CM 



I I 



•}stj§ny 



i— I I i— I | 0© I CO i-H | | HHH I I | H I H 

CM 



•A\n£ 



H |-W I^HN I I HH | I 
CO 



I I I I I CM I 



•aunp 



IIH|NICM"MII|HI|||||H|||I COI 

CM 



•.£ej\[ 



I I I CM I co CM I I I 

CM 



H | | I H I ! I 



S5S 

iO 

s 

so 

=0 

CO 
<4) 






•iudv 



I I H CO O I H CM I I 

CM 



I I I 



II II 



•qoxepi 



I IHINCMHHHI ICMl I I |H| I I |HCM COCM 



•jfj'etuqa^ 



I I 



I I CM I 



I co 



I I I I I 



I I I 



•itrenuup 



|H| |«O|i-iC0|H|HH|H|CMl I II I I 



I I 



>> • * 

o 

43 • • 

02 

P 
• • • • 83 ' * 

<D 

-i-J 

& . . 

<x> 

O 

m ^ 

<x> <a • • 

P 02 

1 " . . 

2 0> .„ 02 

2 ..g . . . . « .. . ao'rH . ■• . .,» . • .^ - g g • • 

= 1 1 •§! s! 1 % a 

2 *•-£ • ee go • bJD^ . 00.45 . as p . . . g • g p * * 

p -tr, -p a) a O K h on 02 a; 3 p "j s 

3 £ o g K&z si§ -cs«s ■• a s| 
g< • g --§-8 J'S § -gal .5-§-s» • ■••« -£ a •- 

^ H^ (, ^ M 3 OJ^ O O O O.? ^ «i II 3rr| far O p -+3 S ■+=■ 



INSURANCE COMMISSIONER. lxix 



1 rH 


rH 1 rH rH 

OS 


1 


1 1 IrHCOIrHl 1 ICMI 1 


1 rH | ! | 


1 rH | | | I 


rH CM rH I CO i—l rH 


IrHl IrHrHl I 1 |lOI 1 


rH rH | I | 


rH rH | 1 1 1 


rH rH 


1 H(NQO 
CO 


1 


rHlIII!rHl|IO|| 


1 CO' 1 1 1 


rH rH | | | | 


1 1 


rH rH | CO 


1 


rH I rH I | | I II 1 CM 1 1 


CO rH 1 | | 


1 CM 1 1 1 1 


1 rfl CM CM CO rH 
iO 


1 


III 1 II 1 1 CM 1 CO 1 i-H 


CM rH rH I I 


1 rH I rH | | 


1 rH 


1 <M 1 (M 


1 


I IrHrHrH IrHrHCM 1 (M H I 


1 rH rH | | 


-* 1 1 rH I I 


rH I 


rH | | CO 

IO 


1 


1 1 1 1 CM 1 1 1 1 1 1 1 1 


1 CO 1 I I 


1 CM 1 1 rH | 


1 1 




1 


1 I 1 1 1 1 rH 1 » I CM 1 I 


1 1 1 1 1 


1 1 1 1 1 1 


1 CM 


1 rH CM CO 
IO 


1 


1 1 1 1 1 1 1 1 rH | | I | 


1 rH I nH 


1 1 1 1 1 r-t 


1 1 


1 1 CM CM 

iO 


1 


rHlrHl |rH| | I H rfi H | 


1 rH rH I CM CM 1 1 1 1 1 


1 <M 


I rH CO — 1 
CO 


1 


1 1 1 I H |H IHHCOH I 


1 rH 1 1 ! 


1 1 1 1 1 CM 


1 rH 


1 rH CM rH 


1 


1 ! 1 1 1 1 1 1 1 1 1 1 1 


1 rH | I I 


1 1 rH | | | 






CO 
. 1J 












<5 












* 03 

. C3 


O 

-J-3 

CO 










Crockery and glassware stores . 
Curriers' shops, morocco-manufactories, a 
Dining-rooms ..... 
Drug-stores ..... 
Dry, woollen, fancy-goods, and trimming 
Dwelling-houses .... 
Dyewoods and chemical works . 
Dye-works ..... 
Fan and feather-duster manufactories 
Flouring and grist mills . 
Fruit-stores ..... 
Furniture-stores .... 
Gas-works ..... 

General stores 

Glue-manufactories .... 

Grain-stores ..... 

Greenhouses ...... 

Grocery-stores ...... 

Hardware-stores . . . 
Harness-manufactories . . . 


Hay-stores 

Hotels 

Ice-houses 

Ink-manufactories . 
Jewelry-manufactories . 
Jewelry-stores ...... 

Junk-stores ...,., 

Lamp-black manufactories 

Laundries ...... 

Leather-stores 

Lime-sheds ...... 



Ixx 



REPORT OF THE 



aaqraaoaa 



I— I 1— I CM lO I I i — I i — I I I I I HHrlCO I I i hhhtH' I I 



J8qUI9A0X 



uaqo^oo 



I W I I CM CM I I'HH I I I I 1 i — H I | CO CM CO | I 



I I H CM | H | ^ | | | i-l t-l | I | I | | |H(MH |« 



.laqraa^das 



I th cm cm I l l l i l | i | I i i 



1 I I CO I I 



•^snSny 



•^inf 



CM CO CM I I I (M I r-i I CM I I CM I I I I 'rl 1 H » H I 



I I ^TH I I I I I ! I r-i | I I | | i-t I I CM CM CO I I 



•aunp 



|H |(NH | HH | li-ii-ll I | i 1 [ | | | CM CM i-l I 



•AlSIft 



(M I *0 I I I CM I I I I I I i-l I I I ,1 rH | fH I | | 



"ludy 



•qeu^H 



•^jmuqaj 



I |Hrt I | ICOIi-ll I i-H I I ! ! I |CMr-iCM<M| I 



I I I CO | | | | I | | rH I I I I .1 i-l rH CM I 



COi— IrHCMli— ICMCMi— II I I I | i— i i-i i— 1 | I rl CM I i— I i-H I 



•A.miu«p 



HOIHCO I I I CO I |H | | I r-H I I I |i-l|rHrH| I 



CJ 
« • - 

O 

9 'I ' '% • 'J ' • --I H " ' 

r2""5* , &0**O***.2<2" GO " S CO 

CO _ .3 ■ e+n 0<H «p S C5 

: rH o 3 roj3 ai h « o 

T5 rH rQ -j e +-I^H e O -^ 

b tk.S .&p5 a S «' © 3 o * "? ? ? S S° i S •£ «• o o is- ^ 

.,-•-1-1 P l2 J: Lj „ "J -H -rH -H c3 CC CC !S CC £*..f-\ •— t-l S-l 3 C3 U J 



INSURANCE COMMISSIONER. 



lxxi 



HOI |H ItXh | ! I H I ce.l I iHNn 



CO 



IM 1 H I ICOH I I 


IH |o I I 1 CM i-i ! 




CO 1 1 ! ICOHH | 


1 1 (MO 1 1 IHCO^ 


CO 
i— i 


1 1 i-H r-l I (N | 1 1 


I i-i 1 CO 1 1 1 (MM 1 


CI 


tH I r-H | |H I I 1 


1 1 1^1 1 1 lONW 




1 tH 1 1 IM IH I 


I co I io I i i— 1 1— t rti i— i 


1— 1 


CM i-H CM 1 j Tfi I 1 I 


1 1 I CO 1 i—i 1 CM CM CO 


CO 
CO 
1—1 


<M i-H — 1 1 1 1 1 1 1 


i— I i— i i— 1 CD I I I CO i— 1 1 


CD 

T— t 
1— 1 


rtClH | (N(Nr li— 1 CO 


1 1 H"* I 1 I HQ'* 


i-H 


r-i 1 1 1 i-i <M 1 1 ! 


1 1 | NHHH I 00 i—l 


CO 

i—i 


1 i-H 1 1 1 1 i-H 1 1 


I i— 1 i— 1 CD 1 | HHCDH 


CO 


1 CO I i-( I <M I I I 


1 1 1 «* i-l 1 1 i-l CO fH 


CO 

o 
i—i 



CO 

CO 

• M 
i—( 

• ••••••••• ^3 •••••••• 

■S £ 
be 22 • 

c a 

bo "-i a 

<— i •••••O«««Q«C0« • i—l • 

S § 2 cd .2 S - a PhS*® * 

^•2SS -S3 • ..Si -^i £S - ® § 

Sg-k.5.3 .g . ^ •*•>* $4 m as 

£ § § ~p&l ^ I fc*.s * 1 2 s.fr'S-'S's 



co 
O 

H 



lxxii 



REPOKT OF THE 



Table C. — Causes of Fires Classified. 



Property. 



Cause op Fires. 



Agricultural-implement inanuf'tories, 
Almshouses ...... 



Bakeries and confectioneries 
Barbers' shops . 

Barns and private stables . 

Basket-manufactories . 
Blacksmiths' shops 

Boarding and lodging houses 



Boiler and engine houses . 

Book-binderies 

Book and stationery stores . 

Boot and shoe manufactories 



Boot and shoe stores . 

Brick-kilns .... 
Brush-manufactories . 

Button-manufactories . 

Chain shops and founderies 

Cheese-factories . 
Churches .... 

Cider-mills .... 
Cigar stores and manufactories 
Clothing stores and manufactories 

Club-rooms and billiard-halls 

Cotton-batting manufactories, waste 
house, jute and shoddy mills . 



Sparks from chimney, 1. 

Kerosene-lamp, 1. 

Children with matches, 1 ; defective 
chimney, 1; defective oven, 1; ex- 
posure, 1 ; exposure to gas-jet, 1 ; fire- 
works, 1; unknown, 3. 

Exposure, 4. 

Breaking of lantern, 1; careless use of 
matches, 1 ; children with matches. 
18; defective heating-apparatus, 1: 
exposure, 38; fireworks, 1; incen- 
diary, 123; lightning, 15; smoking, <i; 
sparks from chimney, 2; sparks from 
locomotive, 1; spontaneous, 1; un- 
known, 69. 

Exposure, 2. 

Defective chimney, 1; exposure, 5; 
fireworks, 1; incendiary, 1; sparks 
from chimney, 3; sparks from forge, 
7; unknown, 2. 

Careless use of matches, 1 ; children 
with matches, 1 ; defective chimney, 
1; exposure, 2; exposure to gas-jet, 2; 
incendiary, 1; kerosene-lamp, 3; rats 
with matches, 1; smoking, 1; un- 
known, 2. 

Kerosene-lamp, 1; sparks from furnace, 
1; unknown, 3. 

Exposure, 2; incendiary, 1. 

Exposure, 3. 

Defective boiler, 1 ; defective chimney, 
2; defective heating-apparatus, 2; ex- 
posure, 2; ignition of volatile oil, 3; 
kerosene-lamp, 4; sparks from stove, 
1; unknown, 7. 

Children with matches, 1; exposure, 1; 
ignition of volatile oil, 1; incendiary, 
1; kerosene-lamp, 1; rats with 
matches, 1; unknown, 1. 

Sparks from kiln, 1. 

Ashes in wooden vessels, 1; ignition of 
volatile oil, 1. 

Exposure, 1; sparks from furnace, 1; 
unknown, 1. 

Defective furnace, 1; exposure, 1; hot 
iron on wood- work, 1; sparks from 
chimney, 3; sparks from furnace, 1; 
unknown, 2. 

Unknown, 1. 

Careless use of matches, 1; defective 
furnace, 3; unknown, 1. 

Lightning, 1; sparks from chimney, 1; 
unknown, 2. 

Children with matches, 1; defective 
heating-apparatus, 2; exposure, 1; 
kerosene-lamp, 1; unknown, 1. 

Coals from presser, 1 ; exposure to gas- 
jet, 1; unknown, 1. 

Defective heating-apparatus, 1 ; expo- 
sure, 3; incendiary, 1; smoking, 1; 
unknown, 2. 

Friction, 6; incendiary, 1 ; sparks from 
stove, 1; spontaneous, 3; unknown, 2. 



INSURANCE COMMISSIONER. 



lxxiii 



Table C. — Causes of Fires Classified — Continued. 



Property. 



Cause of Fires. 



Cotton-factories ...... 

Crockery and glassware stores . 

Curriers' shops, morocco-manufac- 
tories, and tanneries ...... 



Dining-rooms 



Drug- stores 



Dry, woollen, fancy-goods, and trim- 
ming stores .... 



Dwellings 



Dyewoods and chemical works . 

Dye-works . . . . . . j 

Fan and feather-duster manufactories, 
Flouring and grist mills 
Fruit-stores 

Furniture-stores . . . . . j 

Gas-works 

General stores 

Glue-manufactories . 

Grain-stores 

Greenhouses 

f 

I 

Grocery-stores . . . j . \ 

Hardware-stores .... 

Harness-manufactories 
Hay-stores . . 



Hotels 



Friction, 3; sparks from locomotive, 1; 
spontaneous, 2; unknown, 2. 

Exposure, 1; unknown, 2. 

Exposure, 1; friction, 1; incendiary, 1; 
sparks from chimney, 2; sparks from 
locomotive, 1; spontaneous, 1; un- 
known, 7. 

Ashes in wooden vessels, 1; defective 
chimney, 1; defective heating-appa- 
ratus, 1; exposure, 1; incendiary, 1; 
smoking, 1; unknown, 1. 

Exposure to gas-jet, 1; fireworks, 2; 
ignition volatile oil, 4; incendiary, 1; 
unknown, 1. 

Careless use of matches, 1; exposure, 
5; exposure to gas-jet, 4; incendiary, 
2; kerosene-lamp, 2; sparks from 
stove, 1; unknown, 4. 

Asbes in wooden vessels, 17; careless 
use of matches, 11; children with 
matches, 52; clothes exposed to 
lamp or stove, 10; defective chim- 
ney, 142; defective heating-appara- 
tus, 42; exposure, 78; exposure to 
gas-jet, 11; fireworks, 6; fumigating 
buildings, 2; incendiary, 43; kero- 
sene lamp or stove, 64; lightning, 10; 
mirror and sun's rays, 1; rats with 
matches, 7; smoking, 15; sparks 
from chimney, 25; sparks from loco- 
motive, 2; sparks from stove, 1; 
sparks from plumbers' furnace, 3; 
spontaneous, 5 ; thawing water-pipes, 
2; uncovering chimney-holes, 5; up- 
setting stove, 1 ; unknown, 113. 

Careless use of matches, 1. 

Sparks from chimney, 1; spontaneous, 
1 : unknown, 1. 

Unknown, 1. 

Incendiary, 1; unknown, 2. 

Exposure, 1; exposure to gas-jet, 1. 

Exposure, 3; incendiary, 1; sponta- 
neous, 2; unknown, 2. 

Ignition of gas, 1; unknown, 1. 

Exposure, 2; incendiary ,1; kerosene- 
lamp, 1; unknown, 1. 

Unknown, 1. 

Exposure, 3; incendiary, 1; unknown, 
2. 

Careless use of matches, 1; defective 
furnace, 1. 

Careless use of matches, 1; defective 
chimney, 1; exposure, 6; incendiary, 
7; kerosene-lamp, 3; smoking, 2; 
spontaneous, 2; uncovered chimney- 
hole, 1; unknown, 6. 

Ashes in wooden vessels, 1; exposure, 
2. 

Kerosene-lamp, 1. 

Incendiary, 4; unknown, 2. 

Boiling over kettle of fat, 1; clothing 
exposed to lamp or stove, 1 ; defective 
chimney, 1; exposure, 7; incendiary, 
2; kerosene lamp or stove, 2; sparks 
from chimney, 1; sparks from loco- 
motive, 1 ; unknown, 2. 



]xxiv 



REPORT OF THE 



Table C. - — Causes of Fires Classified — Continued. 



Property. 



Cause of Fires. 



Ice-houses 

Ink-manufactories 

Je w elry-ni a nu factories 

Jewelry-stores 

Junk-stores . 

Lamp-black manufactories 

Laundries 

Leather-stores 
Lime-sheds . 

Liquor stores and saloons 

Livery-stables 

Lumber sheds and wharves 



Machine-shops 



Marble-works 

Mason and plumbing works 

Millinery-stores . 



Offices 



Oil-clothing manufactories . 
Oil-stores . . . ... 

Oil- works 

Paint-shops 

Paper-box manufactories . 
Paper-collar manufactories 

Paper-mills 

Paper-stores . . . . 
Photograph-rooms .... 

Pickle-manufactories . . . . J 

Piggeries 

Printing-establishments . . . < 
Provision-stores . . . . . < 



Public halls . 



r 

Railroad depots, cars, and coal-sheds, \ 



Children with matches, 1; incendiary 
1; unknown, 1. 

Ashes in wooden vessels, 1. 

Exposure, 2; incendiary, 1. 

Exposure, 2; ignition of volatile oil, 1; 
incendiary, 1; rats with matches, 1; 
sparks from chimney. 1 ; unknown, 2. 

Exposure, 2; incendiary, 2; sponta- 
neous, 2; unknown, 2. 

Sparks from furnace, 1. 

Defective heating-apparatus, 1; un- 
known, 1. 

Incendiary, 1. 

Exposure, 2; sparks from chimney, 1. 

Exposure, 1; incendiary, 1; leakage 
of gas, 1; smoking, 1; sparks from 
plumbers' furnace, 1; unknown, 2. 

Defective chimney, 1 ; exposure, 1; in- 
cendiary, 1; sparks from stove, 1; 
unknown, 7. 

Children with matches, 3; exposure, 
2; incendiary, 7; unknown, 3. 

Ashes in wooden vessels, 1 ; defective 
boiler, 2; defective chimney, 3; ex- 
posure, 6; kerosene-lamp, 1; sparks 
from chimney, 1; sparks from fur- 
nace, 4; spontaneous, 5; unknown, 
11. 

Sparks from chimney, 1. 

Exposure, 2. 

Exposure, 2; exposure to gas-jet, 2; 
incendiary, 1; kerosene-lamp, 1. 

Defective chimney, 2; defective stove, 
2; exposure, 5; exposure to gas-jet, 
2; ignition of volatile oil, 2; rats 
■with matches, 1; smoking, 2; sparks 
from chimney, 1; unknown, 3. 

Unknown, 1. 

Spontaneous, 2. 

Friction, 1; unknown, 2. 

Ignition of volatile oil, 1; incendiary, 
1; lightning, 1; rats with matches, 
1; spontaneous, 1; unknown, 2. 

Exposure, 2; unknown, 1. 

Unknown, 1. 

Spontaneous, 1; unknown, 5. 

Exposure, 4. 

Defective chimney, 1; unknown, 1. 

Defective heating-apparatus, 1 ; sparks 
from chimney, 1; unknown, 1. 

Sparks from furnace, 1. 

Careless use of matches, 1; exposure, 
3 ; incendiary, 1 ; spontaneous, 1; 
unknown, 3. 

Defective heating-apparatus, 2; ex- 
posure, 4; kerosene-lamp, 2; sparks 
from stove, 1; unknown, 1. 

Defective chimney, 2; defective heat- 
ing-apparatus, 1; exposure, 6; in- 
cendiary, 1; smoking, 1; unknown, 
4. 

Careless use of matches, 1; defective 
heating-apparatus, 3; exposure, 1; 
incendiary, 7; sparks from locomo- 
tive, 3; spontaneous, 5 ; unknown, 7. 



INSURANCE COMMISSIONER. 



Ixxv 



Table C. — Causes of Fires Classified — Concluded. 



Property. 



Cause of Fires. 



Ropewalks 
Rubber-mills . 



Saw and planing mills 



Schoolhouses . 



Shoemakers' shops 

Slaughter-houses . 
Soap-manufactories 



Storehouses . 

Stove and tinware stores 
Straw- works . 



Sugar-mills 

Tack-manufactories .... 
Tailoring and diessmaking establish- \ 



ments 
Tin -shops 

Unoccupied buildings 

Upholsterers' shops 
Vessels (at wharves) 

"Whip-manufactories 



A 



Wood-sheds 



Wood-working establishments . 



Woollen-mills 



Friction, 2; incendiary, 1. 

Exposure, 1 ; friction, 1 ; spontaneous,!. 

Defective chimney, i; friction, 1; in- 
cendiary, 4; sparks from chimney, 
2; sparks from locomotive, 1; un- 
known, 4. 

Defective chimne}", 1; defective heat- 
ing-apparatus^; incendiaiw, 3; light- 
ning, 1; unknown, 4 

Ashes in wooden vessels, 1; defective 
heating-apparatus, 1; exposure, 1; 
incendiary, 1; kerosene-lamp, 1; 
smoking. 1 ; unknown, 1. 

Incendiary, 1; unknown, 2. 

Defective furnace, 2; uncovered chim- 
ney-hole, 1. 

Careless use of matches, 1; exposure, 
4; ignition volatile oil, 1; incendiary, 
7; lime and water, 2; smoking, 1; 
sparks from locomotive, 1; sponta- 
neous, 2; unknown, 7. 

Exposures, 3; kerosene-lamp, 1; un- 
known, 1. 

Exposure, 1; incendiary, 1 ; unknown, 
1. 

Sparks from furnace, 2; unknown, 1. 

Unknown, 1. 

Defective chimney, 1; exposure, 3; in- 
cendiary, 2; unknown, 2. 

Defective heating-apparatus, 1; expo- 
sure, 2; sparks from chimney, 1; un- 
known, 1. 

Children and matches, 1; defective 
heating-apparatus, 2; exposure, 1; 
incendiary, 42; lime and water, 1; 
smoking, 1; unknown, 11. 

Exposure, 1; spontaneous, 1. 

Lime and water, 1; unknown, 1. 

Defective chimney, 1; incendiary, 1; 
sparks from forge, 1. 

Ashes in wooden vessels, 4; boiling 
over of tar, 1; children with match- 
es, 4; exposure, 1; incendiary, 2; 
kerosene stove or lamp, 1; sparks 
from locomotive, 1; spontaneous,!; 
unknown, 5. 

Ashes in wooden vessels, 1; careless 
use of matches, 2; defective boiler, 
1; defective chimney, 2; defective 
heating-apparatus, 3; exposure, 5; 
fireworks, 1; friction, 1; ignition 
volatile oil, 2; incendiary, 8; over- 
heated dry-house, 1; smoking, 1; 
sparks from chimney, 4; sparks 
from furnace or stove, 2; sponta- 
neous, 3; unknown, 23. 

Defective boiler, 1; exposure, 1; fric- 
tion, 6; incendiary, 1; kerosene- 
lamp, 1; spontaneous, 3; unknown, 
6. 



lxxvi 



REPORT OF THE 



Table D. 


— Summary of Causes. 




Cause. 


No. 


Cause. 


No. 


Unknown .... 


383 


Clothing exposed to lamp 




Incendiary (as reported) 


294 


or stoves .... 


11 


Exposure . . . . ' . . 


247 


Sparks from forge 


8 


Defective chimney . 


165 


j Uncovered chimney-holes . 


7 


Kerosene lamp or stove . 


92 


Defective boiler . 


5 


Children with matches . 


83 


Lime and water . 


4 


Defective heating-apparatus, 


75 


Plumbers' furnace 


4 


Sparks from chimney 


52 


Fumigating buildings . 


2 


Spontaneous .... 


45 


Leakage of gas 


2 


Smoking ..... 


34 


Thawing water-pipe . 


2 


Ashes in wooden vessels 


28 


Boiling over kettle of fat 


1 


Lightning 


28 


Boiling over kettle of tar . 


1 


Exposures to gas-jet 


25 


Breaking of lantern . 


1 


Careless use of matches . 


23 


Coals from presser 


1 


Friction 


22 


Defective oven 


1 


Sparks from stove or furnace, 


19 


Hot iron on wood-work 


1 


Ignition of volatile oil . 


16 


Mirror and sun's rays . 


1 


Fireworks .... 


12 


Sparks from kiln . 


1 


Rats with matches . 


12 


Overheated dry-house 


1 


Sparks from locomotive 


12 


Upsetting of stove 


1 



INSURANCE COMMISSIONER. 



Ixxvii 



Table E. — Statement of the Receipts and Expenditures of the 
Insurance Department for the Year ending Dec. 5i, 1880. 

[Made pursuant to chapter 267, section 9, Acts of 1867.] 

Receipts. 



Compensation for valuation of life insurance policies 
License fees, filing statements, certificates, etc. 



$14,802 20 
20,185 92 

$34,988 12 



Expenditures. 



Julius L. Clarke, salary .... 


83,000 00 




William S. Smith, deputy . 


2,500 00 


$5,500 00 


Clerks. 






Fred L. Cutting, first clerk .... 


$1,800 00 




James G. Bovey, second clerk . 


1,500 00 




Herbert Morissey, extra clerk 


1,000 00 






— — — — — — — 


4,300 00 


Extra Clerks. 






C. E. Weiss 


$840 00 




C. L. Sawyer 




> . . . 


840 00 




A. N. Tenney 




... 


840 00 




M. A. Allen 




... 


840 00 




M. L. McMann . 




. a . 


840 00 




A. M. Hawes 




... 


840 00 




E. L. Johnson 




. . . 


840 00 




E. W. Cushman . 




... 


840 00 






— — — — - — 


6,720 00 


General Expenses. 






Printing and binding ..... 


$584 46 




Travelling fares and expenses 


506 83 




Postage ....... 


419 17 




Blank statements, etc. .... 


131 60 




Certificate and other books .... 


74 20 




Paper and envelopes ..... 


187 45 




Expressage, telegrams, etc. .... 


81 95 




Wrapping-paper, twine, etc. 


44 78 




Valuation tables ...... 


75 00 




Advertising ....... 


55 40 




Newspapers and insurance publications 


24 00 




Post-office box rent 


16 00 




Sundry small stationery .... 


163 41 




Miscellaneous 


43 46 


2,407 71 




. . . 


Total expenditures 


for 1 


880 . 


$18,927 71 



Ixxviii REPORT OF INS. COMMISSIONER. 



Recapitulation. 

Expended in Life Department 

Expended in Fire and Marine Department . 



Department fees collected and paid into State 
treasury ....... 

Surplus accrued to Commonwealth 



110,505 89 
8,421 82 

$18,927 71 

34,988 12 

$16,060 41 



MASSACHUSETTS MUTUAL 
FIRE INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

Dec. 31, 1880. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, 

ABINGTON. 

[Incorporated May 30, 1856. Commenced business June 15, 1857.] 

Joseph Vaughn, President. Freeman P. Howland, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds .... 
Chicago city sewerage bonds . 

44 44 river improvement bonds . 

44 64 school bonds 
Toledo city water- works bond 
Union Pacific Railroad bond . 
Eastern Railroad bond .... 
Mansfield and Framingham Railroad bond 
Old Colony Railroad bond 
Northern Pacific Railroad preferred stock 
Middlesex Central Railroad stock . 

14 shares First National Bank, Salem 

15 44 City National Bank, Boston 
10 44 Globe National Bank, Boston . 
10 " State National Bank, Boston . 
10 u Old Boston National Bank, Boston 

6 44 Metropolitan National Bank, Boston, 
10 u Nat'l Hide and Leather B'k, Boston, 

5 44 National Webster Bank, Boston 

6 ' 4 Nat'l Bank of the Republic, Boston, 
21 44 Abington National Bank, Abington, 
Joint note of trustees Masonic institutions 
Joint note of trustees Union Calvinistic Soc'y, 
Personal loans . . . . 

Summary of Assets Dec 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in the Abington Nat'l Bank 
Premiums in course of collection (net) . 



Par value. 

$5,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
3,000 00 
1,400 00 
1,500 00 
1,400 00 
1,500 00 
1,000 00 
1,000 00 
500 00 
600 00 
1,000 00 
500 00 
600 00 
2,100 00 



31, 1880. 

$500 00 

4,925 00 

32,782 14 

115 49 

2,759 57 

426 48 



Market value. 

$5,645 00 

1,242 50 

1,242 50 

1,242 50 

1,180 00 

1,122 50 

1,045 00 

1,020 00 

3,487 50 

931 00 

1,545 00 

1,680 00 

1,801 88 

1,090 00 

1,212 50 

612 50 

663 00 

1,171 25 

560 62 

768 00 

2,940 00 

150 00 

140 00 

288 89 

£32,782 14 



1880.] 



INSURANCE COMPANIES. 



Interest due and accrued .... 


$411 74 




Rent due ....... 


50 00 




Re-insurance dividend due 


2 60 




Office furniture and safe . . . $300 00 






Gross assets ...... 




$41,973 02 




Liabilities. 






Losses and claims adjusted, but not due . 


$2,250 00 




Claimed and reported losses not adjusted 


15 00 




Unearned premiums on outstanding risks 


17,017 56 




Dividends of profits due on terminated policies, 


499 00 




State and local taxes due or accrued 


16 91 




Rents, salaries, and incidental expenses . 


143 37 




Gross liabilities ..... 


— — 


19,941 84 






$22,031 18 


Income. 






Gross cash premiums received during the year, 


$10,817 05 




Deduct return premiums . . 


386 87 




Net cash premiums received .... 


- 


$10,430 18 


Received for interest on mortgages . 


. . 


289 50 


for interest from all other sources 


. 


1,638 12 


for rents ...... 


. . . 


36 00 


Deposit notes received during the year . 


$32,283 78 




Gross cash income ..... 


$12,393 80 


Expenditures. 






Paid for losses during the year 




$4,414 11 


for brokerage and commissions 




1,525 41 


for salaries and fees of officers and employes . 


880 41 


for state and local taxes .... 




120 28 


for profits or surplus on terminated policies . 


2,659 47 


for rents ....... 




25 00 


for incidental expenses .... 




349 98 


Gross cash expenditures .... 


$9,974 66 


Miscellaneous. 






Risks outstanding Dec. 31, 1879 . . $2,013,463 00 




written during 1880 . . 


669,096 00 




Total 


ato «qo zx.c\ r\r\ 




qp< 


-jVUW,^^.^ \J\J 


terminated during 1880 


$618,513 00 




re-insured during 1880 .... 


1,900 00 


620,413 00 







Net amount in force Dec. 31, 1880 $2,062,146 00 

Deposit notes received on outstanding risks .... 97,343 77 

Losses incurred during the year . . .... 5,999 11 

Percentage of profits or surplus returned during 1880, 15, 25, and 40 per 

cent. 
Average rate to date, 25 per cent. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 11, 1847. Commenced business Dec. 28, 1847.] 

Charles A. Fernald, President. James S. Jewett, Secretary. 

[Note. — This company charges a cash premium adequate for expenses 
only, and relies upon assessments upon deposit notes to pay losses.] 



Summary of Assets Dec. 
Loans on mortgage of real estate (first liens) 
United States bonds .... 
Loans on personal security 
Cash in the office of the company . 
deposited in the savings banks 
Premiums in course of collection (net) . 
Interest due and accrued 

Office safe $85 00 

Gross assets 



31, 1880. 




. . $2,250 


00 


562 


50 


1,175 


00 


553 


10 


1,940 


18 


55 


66 


119 


48 



1,655 92 



Income. 

Received for interest on mortgages . 

for interest from all other sources 
from assessments on deposit notes 
from policy fees 

Deposit notes received during the year . 



Gross cash income 



1,125 55 



$152 12 

96 30 

264 27 

15 00 

$527 69 



Expenditures. 

Paid for salaries and fees of officers and employes . 

for state and local taxes 

for incidental expenses ..... 

Gross cash expenditures 



$291 00 


3 05 


12 97 



$307 02 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total 

terminated during 1880 

Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 



$338,862 00 
89,900 00 



$428,762 00 
92,910 00 

$335,852 00 
24,226 50 



1880.] 



INSUEANCE COMPANIES. 



ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.] 

Waldo Higginsox, President. Edward H. Sprague, Secretary. 

Office, No. 131 Devonshire Street. 



Detailed Statement op Stocks, 



United States bonds 

Massachusetts state bonds 

Maine state bonds . 

Boston city bonds . 

Providence city bonds 

Old Colony Railroad bonds 

Boston and Maine Railroad bonds 

Boston and Lowell Railroad bonds 

Boston and Albany Railroad bonds 

Fitchburg Railroad bonds 

Chicago, Burlington, and Quincy R.R. bonds, 

Phila., Wilmington, and Baltimore R.R. b'ds, 

New York and New England Railroad bonds . 



Bonds, Etc. 

Par value. 

$25,000 00 
20,000 00 
12,000 00 
20,000 00 
10,000 00 
15,000 00 
11,000 00 
11,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
10,000 00 



Market value. 

128,000 00 
23,000 00 
13,800 00 
24.000 00 
11,200 00 
18,000 00 
13,530 00 
12,650 00 
12,400 00 
12,300 00 
12,400 00 
20,600 00 
10,300 00 



$184,000 00 $212,180 00 



Summary of Assets Dec. 31, 1880. 



Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in the Columbian Nat'l Bank 
deposited in the New England Trust Co 
Interest due and accrued 

Gross assets 

Liabilities. 

Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
State and local taxes due or accrued 

Gross liabilities .... 



Surplus 



$212,180 00 

134 82 

15,393 57 

500 00 

3,280 83 



$64,253 32 

115,043 94 

493 46 



$231,489 22 



179,790 72 
$51,698 50 



Income. 

Gross cash premiums received during the year, $239,256 61 
Deduct return premiums .... 8,883 93 

Net cash premiums received .... 

Received for interest from all sources ..... 
Deposit notes received during the year . $1,196,283 05 



$230,372 68 
11,905 66 



Gross cash income $242,278 34 



6 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Expenditures. 

Paid for losses during the year $56,268 13 

for salaries and fees of officers and employes . . . 13,359 00 

for state and local taxes . . . . . . . 2,218 57 

for profits or surplus on terminated policies . . . 167,611 92 

for rents . . . . . . .... 1,150 00 

for incidental expenses . . .... 2,685 51 

Gross cash expenditures , . . .... $243,293 13 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . $22,233,109 00 

written during 1880 . . . 26,923,765 00 

Total . . . . . $49,156,874 00 

terminated during 1880 . ..... 23,389,164 00 



Net amount in force Dec. 31, 1880 $25,767,710 00 

Deposit notes received on outstanding risks .... 1,150,439 45 

Losses incurred during the year 120,521 45 

Percentage of profits or surplus returned during 1880, 841 per cent. 
Average rate to date, 66^0- per cent. 



ASHFIELD MUTUAL FIRE INSURANCE COMPANY, ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 

Henry S. Ranney, President. Asa G. Wait, Secretary. 

[Note. — Insures property in the town of Ashfield only.] 

Summary of Assets Dec. 31, 1880. 

Unpaid assessments on deposit notes . . $312 81 

Gross assets . . . . . . — $312 81 

Income. 

Net cash premiums received . . . .... $25 49 

Received from assessments on deposit notes .... 982 86 

Deposit notes received during the year . . . $157 30 



Gross cash income $1,008 35 

Expenditures. 

Paid for losses during the year $1,123 57 

for salaries and fees of officers and employes ... 5 00 

for state and local taxes ....... 26 



Gross cash expenditures . . . .... $1,128 83 



1880.] 



INSURANCE COMPANIES. 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total 

terminated during 1880 . 

Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 
Losses incurred during the year . . . 



$35,488 90 
5,246 25 



$40,735 15 
13,393 00 

$27,342 15 

1,830 79 

10 00 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

[Incorporated Feb. 24, 1844. Commenced business July 1, 1845.] 

J. W. Capron, President. Elijah R. Reed, Secretary. 

Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens) 
School-district note ..... 
Cash deposited in the First National Bank 

deposited in savings banks 
Premiums in course of collection (net) . 
Gross assets ..... 

Liabilities. 

Losses and claims adjusted, but not due . 

Unearned premiums on outstanding risks 

Gross liabilities .... 



5,435 35 




490 70 




6,165 49 




207 26 




— — — 


115,398 80 


$750 00 




4,332 38 






5,082 38 





Surplus 



,316 42 



Income. 

Gross cash premiums received during the year, $1,791 97 

Deduct return premiums ..... 38 39 

Net cash premiums received .... 

Deposit notes received during the year . . $7,136 48 



,753 58 



Gross cash income 



,753 58 



Expenditures. 
Paid for losses during the year 

for brokerage and commissions 
for state and local taxes . 
for incidental expenses . 

Gross cash expenditures . 



$364 02 


221 


00 


14 


17 


56 


12 



$655 31 



8 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 
Risks outstanding Dec. 31, 1879 
written during 1880 

Total 

terminated during 1880 . 

Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 
Losses incurred during the year 



,0,44,552 00 
258,845 00 



41,303,397 00 
. 143,370 00 

$1,160,027 00 

35,709 32 

1,114 02 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COM- 
PANY, YARMOUTH. 

[Incorporated March 2, 1833. Commenced business Aug. 1, 1833.] 

David K. Akin, President. George Otis, Secretary. 



Detailed Statement of Stocks, 



United States bonds 

Maine state bonds . . 

Fall River city bonds 

Sheboygan city bonds 

Iowa Falls and Sioux city bonds 

Union Pacific first mortgage bonds 

Union Pacific land grant bonds 

Union Pacific sinking fund bonds 

Chicago and Eastern Illinois Railroad bonds 

Old Colony Railroad bonds 

40 shares First National Bank, Yarmouth 

20 

25 

15 

4 

8 

5 
10 
22 
10 
63 
Personal loans 



State National Bank, Boston . 
Tremont National Bank, Boston 
National Bank Redemption, Boston 
Massachusetts Nat'l Bank, Boston 
Shawmut National Bank, Boston 
National Bank Republic, Boston 
Falmouth National Bank, Falmouth 
Merchandise Nat'l Bank, Boston 
Union Pacific Railroad 
Old Colon v Railroad 



Bonds, Etc. 

Par value. 

$8,000 00 
2,500 00 
1,000 00 
750 00 
2,000 00 
9,000 00 
5,000 00 
1,000 00 
1,800 00 
5,000 00 
4,000 00 
2,000 00 
2,500 00 
1,500 00 
1,000 00 
800 00 
500 00 
1,000 00 
2,200 00 
1,000 00 
6,300 00 



Market value. 

$8,920 00 

2,875 00 

1,170 00 

600 00 

2,170 00 

10,282 50 
5,712 50 
1,200 00 
1,882 50 
5,700 00 
5,080 00 
2,420 00 
3,025 00 
2,122 50 
1,177 50 
964 00 
640 00 
1,250 00 
2,420 00 
1,125 00 
7,938 00 
6,076 20 



Securities held as collateral for cash loans : — 
3 shares Mashpee Manufacturing Co. 



74,750 70 



Market value. Loaned thereon. 

#495 00 $450 00 



1880.] 



INSURANCE COMPANIES. 



9 



Summary of Assets Dec. 31, 1880. 

Stocks, bonds, etc., as per schedule . . . $74,750 70 

Loans on collateral security as per schedule . 450 00 

Cash in the office of the company . . . 121 46 

deposited in various banks . . . 1,670 00 

Interest due and accrued .... 769 71 
Office furniture, etc. . . . $250 00 

Gross assets 



,761 87 



Liabilities. 

Claimed and reported losses not adjusted . $1,800 00 

Unearned premiums on outstanding risks . 38,500 96 

State and local taxes due or accrued . 30 00 

Gross liabilities ..... 



40,330 96 



Surplus $37,430 91 



Income. 

Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 
Deposit notes received during the year . 



. $17,076 66 

9 10 

3,624 02 



$32,709 12 



Gross cash income $20,709 78 



Expenditures. 
Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures .... 



$3,568 41 

2,054 50 

155 75 

11,158 63 
100 00 
540 86 

$17,578 15 



Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $5,190,426 00 
written during 1880 . . . 1,004,070 00 

Total $6,194,496 00 

terminated during 1880 1,012,135 00 



Net amount in force Dec. 31, 1880 $5,182,361 00 

Deposit notes received on outstanding risks .... 154,003 82 

Losses incurred during the year 3,043 41 

Percentage of profits or surplus returned during 1880, 80 per cent. 
Average rate to date, 80 per cent. 



10 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

[Incorporated March, 1835. Commenced business August, 1835.] 

Jabez L. Peck, President. John M. Stevenson, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States bonds . . . , . $3,000 00 

Western Union Telegraph Company bonds . 4,000 00 

Boston and Albany Railroad bonds . . . 6,000 00 

15 shares Boston and Albany Railroad . . 1,500 00 

110 " N. Y. Central and Hudson R. R.R. 11,000 00 

100 " Adams Express Company . . 10,000 00 

29 " Pittsfield National Bank . . 2,900 00 

15 " First National Bank, Adams . . 1,500 00 

Personal loans secured .... 



Summary of Assets Dec. 

Stocks, bonds, etc., as per schedule 
Cash in the office of the company 

deposited in the Pittsfield Nat'l Bank 
Premiums in course of collection (net) 
Interest due and accrued. 

Gross assets ..... 

Liabilities. 

Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
Dividends of profits due on terminated policies 
State and local taxes due or accrued 
Gross liabilities 



31, 1880. 

$60,880 00 
579 09 
823 23 
640 92 

448 67 



$400 00 

30,998 14 

150 00 

29 22 



Surplus 

Income. 

Gross cash premiums received during the year, $14,875 56 

Deduct return premiums ..... 1,472 78 

Net cash premiums received .... 

Received for interest from all sources . . . 

Deposit notes received during the year . . $44,626 68 



Market value. 

$3,045 00 
4,600 00 
7,320 00 
2,400 00 
16,280 00 
11,800 00 
4,060 00 
1,875 00 
9,500 00 



,S80 00 



$63,371 91 



Gross cash income ..... 

Expenditures. 
Paid for losses during the year 

for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 
for incidental expenses .... 

Gross cash expenditures .... 



31,577 36 
$31,794 55 



$13,402 78 
4,269 42 

$17,672 20 

$7,718 44 

1,402 62 

1,609 62 

124 76 

4,763 66 

910 11 

$16,529 21 



1880.] 



INSURANCE COMPANIES. 



11 



Miscellaneous . 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total 

terminated during 1880 



55,154,343 00 
1,108,999 00 



$6,263,342 00 
1,361,24100 



Net amount in force Dec. 31, 1880 . . . -. . $4,902,10100 
Deposit notes received on outstanding risks .... 164,567 10 

Losses incurred during the year . . .... 4,736 94 

Percentage of profits or surplus returned during 1880, 36 per cent. 
Average rate to date, 50 per cent. 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE 

COMPANY, BOSTON. 

[Incorporated March 15, 1850. Commenced business Oct. 14, 1850.] 

Edward Atkinson, President. William B. Whiting, Secretary. 

Office, 181 Devonshire Street. 

Detailed Statement of Bonds. 

Par value. Market value. 

United States bonds ..... $260,000 00 $292,275 00 
Phila., Wilmington, and Baltimore R.R. b'ds, 40,000 00 42,000 00 

$300,000 00 $334,275 00 

Summary of Assets Dec. 31, 1880. 



Bonds as per schedule 
Cash in the office of the company . 
deposited in the various banks 
Premiums in course of collection (net) 
Interest due and accrued 

Gross assets .... 



Liabilities. 
Adjusted losses and claims due and unpaid 
Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
State and local taxes due or accrued 

Gross liabilities .... 



Surplus 



$334,275 00 

2,698 45 

84,653 03 

383 01 

1,966 66 



$1,590 52 

65,175 12 

214,054 33 

824 24 



$423,976 15 



281,644 21 
$142,331 94 



Income. 
Gross cash premiums received during the year, $151,844 90 
Deduct return premiums .... 16,941 43 

Net cash premiums received .... 

Received for interest from all sources ..... 

from inspections 

Deposit notes received during the year . $2,259,224 50 



$434,903 47 

17,003 05 

9,636 25 



Gross cash income $461,542 77 



12 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 

Paid for losses during the year 

for salaries and fees of officers and employe's 
for state and local taxes . 
for profits or surplus on terminated policies 
for rents ...... 

for incidental expenses . 

Gross cash expenditures . 

Miscellaneous. 

Risks outstanding- Dec. 31, 1879. . . $43,656,290 00 

written during 1880 . . . 53,557,410 00 

Total . 



$137,308 36 

31,909 67 

4,881 11 

305,423 31 

2,350 00 

12,562 00 

$494,434 45 



terminated during 1880 



$97,213,700 00 
47,018,680 00 



Net amount in force Dec. 31, 1880 .... $50,195,02000 

Deposit notes received on outstanding risks .... 2,140,543 35 

Losses incurred during the year 204,074 00 

Percentage of profits or surplus returned during 1880, Sl-j^o per cent. 
Average rate to date, 67 t 9 q 1 q per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 

[Incorporated Feb. 29, 1829. Commenced business July 4, 1829.] 

Jonathan Bourne, President pro tern. George N. Alden, Secretary. 

[Note. — Policies are all issued for seven years. The premium is se- 
cured by notes assessable as required, and five per cent on the notes is 
received in cash when the policy is issued.] 

Summary of Assets Dec. 31, 1880. 



Cash in the office of the company . 

deposited in the Mechanics' Nat'l Bank, 
Premiums in course of collection (net) . 

Gross assets ...... 

Liabilities. 

State and local taxes due or accrued 

Gross liabilities ..... 

Income. 

Gross cash premiums received during the year, 

Deduct return premiums 

Net cash premiums received . 

Received from assessments on deposit notes 

Deposit notes received during the year . 

Gross cash income .... 



1367 89 
139 94 
256 08 



$10 40 



:,305 25 
110 25 



S5,962 00 



$763 91 



$10 40 



$4,195 00 
235 36 



:,430 36 



1880.] 



INSURANCE COMPANIES. 



13 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for interest on borrowed money 

for state and local taxes .... 

for incidental expenses . . 

Gross cash expenditures .... 



$2,278 


84 


184 


97 


1,856 


07 


14 75 


41 


24 


187 


85 



$4,563 72 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 

terminated during 1880 . 

Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 
Losses incurred during the year 



,825,150 00 
672,950 00 



-$5,498,100 00 
. 961,800 00 



$4,536,300 00 

. 578,929 00 

2,253 25 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Incorporated March 13, 1833. Commenced business Jan. 1, 1834.] 

Josiah W. Cook, President. Alfred L. Barbour, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



5 shares Cambridgeport National Bank 
1 share Framingham National Bank 

15 shares National City Bank, Cambridge 

10 " First Ward Nat'l Bank, Boston 

Cambridge city bonds 

Bath (Me.) city bonds . 

Portland (Me.) city bonds 

Cincinnati (O.) city bonds 

Bangor (Me.) city bonds 

Belfast (Me.) city bonds 

Rockland (Me.) city bonds 

Marion county (Ind.) bonds 

Eastern Railroad bonds . 

Personal loans secured . 



Par value. 

$500 00 

100 00 

1,500 00 

1,000 00 

10,900 00 
5,000 00 

10,000 00 
6,000 00 
3,000 00 
2,000 00 
3,000 00 
1,000 00 
1,500 00 



Market value. 

$750 00 

145 00 

2,250 00 

1,000 00 

12,208 00 
5,150 00 

10,900 00 
7,200 00 
3,345 00 
2,040 00 
3,090 00 
1,050 00 
1,500 00 
6.350 00 



$56,978 00 



14 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $7,,500 00 

Loans on mortgage of real estate (first liens) . 36,533 00 

Stocks, bonds, etc., as per schedule . . 56,978 00 

Cash in the office of the company . . 1,490 86 

deposited in various banks . . . 9,060 99 

Premiums in course of collection (net) . . 1,403 72 

Interest due and accrued .... 1,976 35 
Office furniture, safe, etc. . . $2,000 00 

Gross assets ...... — — 

Liabilities. 

Claims for losses disputed or resisted . . $500 00 

Unearned premiums on outstanding risks . 38,658 46 

Dividends of profits due on terminated policies, 232 74 

Gross liabilities ..... 



$114,942 92 



39,391 20 



Surplus $75,551 72 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums .... 
Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 

for rents . 
Deposit notes received during the year . 

Gross cash income .... 



$21,081 23 
585 91 



$20,495 32 

2,038 38 

3,161 00 

464 00 



$42,095 56 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for state and local taxes . 

for profits or surplus on terminated policies 

for rents ...... 

for incidental expenses . 

Gross cash expenditures . 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total . . . . , 

terminated during 1880 . 

Net amount in force Dec. 31, 1880 . 

Deposit notes received on outstanding risks 

Losses incurred during the year 

Percentage of profits or surplus returned during 1880, 40 and 50 per cent. 



. 


$26,158 70 




$1,828 76 




1,847 75 


es . 


3,730 00 




314 22 


s . 


9,358 33 




550-00 




893 62 




$18,522 68 


5,116,181 00 




1,606,610 00 




«fift too 7m nn 


<T 


|/V/,I **£«, 1 l/J. \J\J 


. 


1,500,742 00 



$5,222,049 00 

. 140,082 56 

2,328 76 



1880.] 



INSURANCE COMPANIES. 



15 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 7, 1846. Commenced business Oct. 5, 1846.] 

Henry C. Bigelow, President. Joseph W. Peabody, Secretary. 

Office, 8 Exchange Place. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

$3,000 00 $3,525 00 

18,000 00 18,270 00 

19,396 02 



30 shares Hide and Leather National Bank 
United States bonds .... 
Personal loans secured . 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $68,775 00 

Loans on mortgage of real estate (first liens) . 81,508 00 

Stocks, bonds, etc., as per schedule . . 41,191 02 

Cash in the office of the company . . . 267 43 

deposited in various banks . . . 31,104 11 

Premiums in course of collection (net) . = 4,234 05 
Interest due and accrued . . . . - 3,188 79 

Gross assets . . . . . . — — 

Liabilities. 

Losses and claims unpaid (since paid) . . $700 00 

Unearned premiums on outstanding risks • 144,318 69 

Gross liabilities ..... — 



51,783 99 
2,638 71 



Surplus ...... 

Income. 

Gross cash premiums received during the year, 

Deduct return premiums 

Net cash premiums received . 

Received for interest on mortgages . 

for interest from all other sources 

for rents ..... 
Deposit notes received during the year . . $121,915 84 

Gross cash income . . 

Expenditures. 
Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for interest on borrowed money 

for state and local taxes . 

for profits or surplus on terminated policies 

for rents ..... 

for repairs on real estate . 

for incidental expenses . 

Gross cash expenditures . 



$41,191 02 



$230,268 40 



145,018 69 
$85,249 71 



$59,145 28 
4,944 11 
5,583 29 
3,334 29 



$73,006 97 

$13,636 18 
8,766 63 
6,279 09 
5 33 
1,602 86 
29,112 88 
1,622 67 
2,535 74 
1,990 75 

$65,552 13 



16 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . $20,423,823 00 
written during 1880 . . . 4,594,^53 00 

Total ..... $25,018,17600 

terminated during 1880 . . ... 4,713,675 00 



Net amount in force Dec. 31, 1880 . . . . . $20,304,50100 
Deposit notes received on outstanding risks .... 466,652 33 

Losses incurred during the year 14,277 48 

Percentage of profits or surplus returned during 1880, 40, 50, and 70 per 
cent. 



COHASSET MUTUAL FIRE INSURANCE COMPANY, 

COHASSET. 

[Incorporated March, 1845. Commenced business March, 1846.] 

Martin Lincoln, President. J. Q. A. Lothrop, Secretary. 



Detailed Statement of Stocks. 

Par value. Market value. 

3 shares Merchants' National Bank, Boston . $300 00 $427 50 

9 " City National Bank, Boston . . 900 00 1,080 00 

Cohasset town note 500 00 



Summary of Assets Dec. 31, 1880. 
Stocks as per schedule .... 
Cash in the office of the company . 

deposited in savings banks 
Premiums in course of collection (net) . 
Interest accrued . . . 
Office furniture and safe . . . $130 C 
Gross assets ..... 

Liabilities. 
Losses and claims adjusted, but not due . 
Unearned premiums on outstanding risks 
Gross liabilities .... 



Surplus 



Income. 

Net cash premiums received . 
Received for interest from all sources 
Deposit notes received during the year . 



$2,007 50 



$2,007 50 




196 57 




1,894 24 




30 80 




33 25 




u 


$4,162 36 


$350 00 




3,040 48 






3,390 48 





$771 88 



$806 70 
156 95 



$3,057 36 



Gross cash income 



$963 65 



1880.] 



INSURANCE COMPANIES. 



17 



Expenditures. 

Paid for brokerage and commissions 

for salaries and fees of officers and employes . 
for state and local taxes ..... 

for profits or surplus on terminated policies . 
for rents ........ 

for incidental expenses . 



Gross cash expenditures . 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total 

terminated during 1880 . 



$64 81 

291 25 

7 33 

314 04 

40 00 

25 50 

$742 93 



$372,402 00 
49,980 00 



$422,382 00 
50,937 00 



Net amount in force Dec. 31, 1880 . . .... $371,445 00 

Deposit notes received on outstanding risks .... 25,197 80 

Losses incurred during the year . . .... 350 00 

Percentage of profits or surplus returned during 1880, 10, 20, and 40 per 

cent. 
Average rate to date, 60 per cent. 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL IN- 
SURANCE COMPANY OF NEW ENGLAND, BOSTON. 

[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.] 

William C. Plunkett, President. B. F. Taft, Secretary. 

Office, No. 131 Devonshire Street. 



Detailed Statement of Bonds. 

Par value. 

Fitchburg Railroad bonds, 5s . . . . $10,000 00 
District of Columbia bonds .... 4,350 00 

Boston city bonds 2,000 00 



Market value. 

$10,683 34 
4,395 24 
2,140 00 



$16,350 00 $17,218 58 
Summary of Assets Dec. 31, 1880. 



Bonds as per schedule .... 
Cash in the office of the company . 

deposited in national banks 
Premiums in course of collection (net) . 
Gross assets ..... 

Liabilities. 
Adjusted losses and claims due and unpaid 
Unearned premiums on outstanding risks 
State and local taxes due or accrued 

Gross liabilities .... 



Surplus 
3 



$17,218 58 

714 19 

4,640 42 

1,179 84 



$23 36 

13,505 01 

74 75 



$23,753 03 



13,603 12 



$10,149 91 



18 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the year, $27,010 02 

Deduct return premiums 1,356 74 

Net cash premiums received .... ■ 

Received for interest from all other sources . . . 

for rents ......... 

Deposit notes received during the year . . $128,266 40 



$25,653 28 

1,203 75 

200 00 







$5,899 


89 






3,682 


80 






179 


38 






6,678 


32 






800 


00 






1,728 45 


. $18,968 84 



Gross cash income . . . . .... $27,057 03 

Expenditures. 
Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures . 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . .$2,006,236 00 
written during 1880 . . . . 2,531,579 00 

Total — $4,537,815 00 

terminated during 1880 . . . .... 1,823,067 00 

Net amount in force Dec. 31, 1880 $2,714,748 00 

Deposit notes received on outstanding risks .... 138,241 30 

Losses incurred during the year . . .... 5,923 25 

Percentage of profits or surplus returned during 1880, 34 T 5 „ 8 o per cent. 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated Feb. 22, 1837. Commenced business July 1, 1837.] 

George B. Faunce, President. Elijah Howe, Jun., Secretary. 



Detailed Statement of Stocks 



United States bonds .... 
Chicago city sewerage bonds . 
Cincinnati city bonds .... 
New England mortgage security bonds . 
Philadelphia and Reading Railroad bonds 
Marquette and Ontonagon Railroad bonds 
Old Colony Railroad bonds 
Union Pacific Railroad bonds . 
12 shares Dedham National Bank . 



and Bonds. 

Par value. 

$6,000 00 

2,000 00 

6,000 00 

6,000 00 

5,000 00 

8,000 00 

2,000 00 

5,000 00 

1,200 00 



Market value. 

$6,720 00 
2,360 00 
7,680 0) 
6,540 00 
6,250 00 
9,440 00 
2,280 00 
5,250 00 
1,440 00 



$41,200 00 $47,960 00 



1880.] 



INSURANCE COMPANIES. 



19 



Summary of Assets Dec. 31, 1880. 



Loans on mortgage of real estate (first liens) 
Stocks and bonds as per schedule . 
Cash in the office of the company . 

deposited in the Dedham Nat'l Bank 
Premiums in course of collection (net) . 
Interest due and accrued 

Gross assets ..... 

Liabilities. 

Losses and claims adjusted, but not due . 
Unearned premiums on outstanding risks 
Return premiums on cancelled policies . 
Dividends of profits due on terminated policies 
Salaries accrued ..... 
Gross liabilities 



Surplus 



$17,900 00 

47,960 00 

851 26 

3,702 61 

990 08 

1,194 61 



$873 40 

11,649 70 

75 30 

1,904 56 

250 00 



$72,598 56 



14,752 96 



Income. 

Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 
Deposit notes received during the year . 



$57,845 60 



£7,696 60 
1,013 50 
2,553 23 



$15,546 52 



Gross cash income . . . ..... $11,263 33 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for state and local taxes . . . . 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 



Gross cash expenditures . 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 
written during 1880 

Total 

terminated during 1880 , f 

Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 
Losses incurred during the year . , 



&1,396 75 
1,144 24 

1,315 25 

108 58 

2,740 44 

100 00 

223 27 



$7,028 53 



[,324,190 74 
512,000 00 



-$1,836,190 74 
. 447,781 34 



$1,388,409 40 

46,416 46 

2,270 15 



20 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated February, 1855. Commenced business July 2, 1856.] 

Edmund J. Baker, President. William F. Temple, Secretary. 



Detailed Statement of Stocks, 



United States bonds 
Old Colony Railroad bonds 
Boston and Lowell Railroad bonds . 
Boston city bonds .... 

50 shares Blue Hill National Bank 

20 

20 

12 

10 

30 
213 
140 



Howard National Bank . 
Continental National Bank 
Hide and Leather National Bank 
New England National Bank. 
Columbian National Bank 
Boston and Albany Railroad . 
Old Colony Railroad 



Foxborough town loan 



Bonds, Etc. 

Par value. 

$25,000 00 
6,000 00 
5,000 00 
5,000 00 
5,000 00 
2,000 00 
2,000 00 
1,200 00 
1,000 00 
3,000 00 
21,300 00 
14,000 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule 
Cash deposited in the Eliot National Bank 

deposited in the New England Trust Co 
Premiums in course of collection (net) . 
Interest due and accrued 
Office furniture . . . . $1,000 00 
Gross assets . . . 

Liabilities. 

Losses and claims adjusted, but not due . 

Claimed and reported losses not adjusted 

Unearned premiums on outstanding risks 

Gross liabilities .... 



$21,000 00 

21,000 00 

122,094 00 

2,230 04 

13,151 80 

6,882 00 

3,434 34 



$3,050 00 

2,320 00 

81,343 41 



Market value. 

$27,975 00 
6,870 00 
5,600 00 
5,200 00 
5,250 00 
2,400 00 
2,360 00 
1,404 00 
1,500 00 
4,470 00 
35,145 00 
17,920 00 
6,000 00 

$122,094 00 



$189,792 18 



86,713 41 



923 14 



Surplus ......... $103,078 77 

Income. 
Gross cash premiums received during the year, $41,885 08 
Deduct return premiums 
Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 

for rents . . 
Deposit notes received during the year . 



,961 94 

1,257 33 

5,894 62 

875 00 



$82,952 16 



Gross cash income $48,988 89 



1880.] 



INSURANCE COMPANIES. 



21 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures .... 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $10,339,934 00 

written during 1880 . . . 2,850,793 00 



$15,809 22 

6,655 41 

5,357 92 

700 72 

14,805 28 

300 00 

518 46 

$44,147 01 



Total 
terminated during 1880 



413,190,727 00 
3,273,197 00 



Net amount in force Dec. 31, 1880 . . ... $9,917,530 00 

Deposit notes received on outstanding risks . . . . 281,789 45 

Losses incurred during the year . . .... 14,803 78 

Percentage of profits or surplus returned during 1880, 15, 25, and 40 per 

Ct'llt. 

Average rate to date, 35 per cent. 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1829. Commenced business 1829.] 

Stephen B. Ives, President. Charles S. Nichols, Secretary. 



Detailed Statement of Stocks, 



United States 5-20 registered bonds 
Oregon war loan 
Springfield city bonds, 7s 
Cleveland city bonds, 7s 
Cleveland city bonds, 6s 
Toledo city bonds, 8s 
Toledo city bonds, 7s 
Chicago city bonds, 7s 
Cincinnati city bonds, 7 t 3 qS 
Cincinnati city bonds, 6s 
Newburyport city bonds, 6s 
Portland city bonds, 6s . 
Hartford city bonds, 6s . 
Brooklyn city bonds, 6s . 
St. Louis county bonds, 6s 
Louisville city bonds, 6s 
Fall River city bonds, 6s 



1881 



Bonds, Etc. 

Par value. 

$500 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
2,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,C00 00 
1,000 00 
1,000 00 



Market value. 

$507 50 
1,040 00 
1,300 00 
1,150 00 
1,130 00 
1,140 00 
1,050 00 
2,400 00 
1,250 00 
1,120 00 
1,130 00 
1,060 00 
1,000 00 
1,150 00 
1,100 00 
1,000 00 
1,200 00 



22 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



St. Louis city bonds, 6s . 
Concord city bonds, 6s . 
Medford town bonds, 6s . 

14 shares Salem National Bank 
11 " Asiatic National Bank 

15 " Cambridge Horse Railroad 
Old Colony Railroad bonds, 7s 
Old Colony Railroad bonds, 6s 
Michigan Central Railroad bonds, 8s 
Essex Railroad bonds, 6s 
Eastern Railroad bonds . 
Chicago, Burlington, and QuincyR.R. bonds 
Boston and Lowell Railroad bonds . 
20 shares Salem Gas-Light Company 

16 " Lynn Gas-Light Company 



Par value. 

'$1,000 00 
1,000 00 
1,000 00 
,1,400 00 
330 00 
1,500 00 
1,000 00 
1,000 00 
1,000 00 
1,500 00 
2,000 00 
1,000 00 
1,000 00 
2,000 00 
1,600 00 



Market value. 

•11,120 00 
1,130 00 
1,100 00 
1,610 00 
484 00 
1,830 00 
1,250 00 
1,150 00 
1,140 00 
1,575 00 
2,080 00 
1,200 00 
1,140 00 
2,100 00 
1,088 00 



$35,830 00 $39,724 50 



Summary of Assets Dec. 31, 1880. 

Stocks and bonds as per schedule . . . $39,724 50 

Cash in the office of the company . . . 203 67 

Premiums in course of collection (net) . 64 00 

Interest due and accrued .... 649 00 

Gross assets ...... - — — 

Liabilities. 

Unearned premiums on outstanding risks . $8,697 01 

Dividends of profits due on terminated policies, 198 43 

State and local taxes due or accrued . 1 82 

Salaries and incidental expenses . . . 229 62 
Gross liabilities 



$40,641 17 



Surplus .... 

Income 

Gross cash premiums received during the 
Deduct return premiums 
Net cash premiums received . 
Received for interest from all sources 
Deposit notes received during the year 



Gross cash income 



9,126 88 
$31,514 29 



year, 



$1,582 20 
77 99 



-,711 50 



Expenditures. 

Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes . 
for profits or surplus on terminated policies 
for incidental expenses .... 

Gross cash expenditures .... 



$1,504 21 


2,181 20 


$3,685 41 


$101 53 


862 95 


18 84 


1,814 72 


35 20 



!,833 24 



1880.] 



INSURANCE COMPANIES. 



23 



Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . . $861,700 00 
written during 1880 . . . 87,200 00 

Total ...... __ 

terminated during 1880 . . .... 



$948,900 00 
106,400 00 



Net amount in force Dec. 31, 1880 $842,500 00 

Deposit notes received on outstanding risks .... 52,182 06 

Losses incurred during the year . . .... 101 53 

Percentage of profits or surplus returned during 1880, 75 per cent. 
Average rate to date, 60 per cent. 



FALL RIVER MANUFACTURERS' MUTUAL FIRE INSURANCE 
COMPANY, FALL RIVER. 

[Incorporated Feb. 17, 1S70. Commenced business May 1, 1870.] 

Stephen Davol, President. Isaac B. Chace, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



Old Colony Railroad bonds 
Fall River city bonds 
Worcester city bonds 
Lawrence city bonds 
Boston city bonds . 
Taunton city bonds 
United States bonds 
Corporation notes . 



Par value. 

$10,000 00 
6,000 00 
1,000 00 
5,000 00 
5,000 00 
10,000 00 
30,000 00 



Summary of Assets Dec. 31, 1880. 

Stocks, bonds, etc., as per schedule . . . $92,550 00 

Cash in the office of the company . . . 595 27 

deposited in B. M. C. Durfee & Co.'s B'k, 3,934 40 

deposited in the Fall River Savings B'k, 5,530 87 

Premiums in course of collection (net) . . 1,029 14 

Interest due and accrued .... 1,232 40 
Office furniture .... $500 00 

Gross assets 

Liabilities. 

Claimed and reported losses not adjusted . $22,080 00 

Unearned premiums on outstanding risks . 48,207 55 

State and local taxes due or accrued . . 204 08 

Rents, salaries, and incidental expenses . . 333 33 
Gross liabilities .... 

Surplus ..... 



Market value. 

$11,800 00 

6,600 00 

1,100 00 

5,500 00 

5,750 00 

10,800 00 

33,000 00 

18,000 00 

$92,550 00 



$104,872 08 



70,824 96 
$34,047 12 



24 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 
Gross cash premiums received during the year, $104,742 88 

Deduct return premiums 5,810 04 

Net cash premiums received . 

Received for interest from all other sources 

Deposit notes received during the year . . $523,714 40 

Gross cash income .... 



Expenditures. 
Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes . 
for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures .... 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . 18,791,444 19 
written during 1880 . . . 10,960,824 16 



$98,932 


84 


4,331 


90 


$103,264 74 


$31,170 43 


4,059 


96 


933 


89 


67,179 


01 


276 


00 


736 


15 


$104,355 44 



Total 
terminated during 1880 



-$19,752,268 35 
9,612,493 58 



Net amount in force Dec. 31, 1880 . . ... $10,139,774 77 

Deposit notes received on outstanding risks .... 482,075 45 

Losses incurred during the year . . .... 53,250 43 

Percentage of profits or surplus returned during 1880, 79+ per cent. 
Average rate to date, 50+ per cent. 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, FITCH- 
BURG. (First Class.) 

[Incorporated March 23, 1847. Commenced business Sept. 1, 1847.] 

L. H. Bradford, President. E. P. Downe, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



Agricultural Branch Railroad bonds 
Boston city bonds ..... 
50 shares Boston, Clinton, and Fitchb'g R.R 
8 " Lancaster National Bank 
United States bonds . • . . 
10 shares Safety Fund National Bank 



Securities held as collateral for cash loans : 

50 shares Safety Fund National Bank 
Personal loans . . . . . 



Par value. 

$3,000 00 
17,000 00 
5,000 00 
1,000 00 
1,000 00 
1,000 00 



Market value. 

$3,000 00 

17,000 00 

• 5,000 00 

1,000 00 

1,000 00 

1,000 00 



$28,000 00 $28,000 00 



Market value. Loaned thereon. 

$5,000 00 $5,000 00 
15,600 00 



$20,600 00 



1880.] 



INSURANCE COMPANIES. 



25 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $21,225 00 

Loans on mortgage of real estate (first liens) . 62,072 74 

Stocks and bonds as per schedule . . . 28,000 00 

Loans on collateral security as per schedule . 20,600 00 
Cash deposited in the Worcester North Savings 

Institution 1,000,00 

Premiums in course of collection (net) . . 208 04 

Interest due and accrued .... 3,075 43 

Gross assets $136,181 21 

Liabilities. 

Claimed and reported losses not adjusted . $800 00 

Unearned premiums on outstanding risks . 97,523 36 

Dividends of profits due on terminated policies, 1,311 05 

State and local taxes due or accrued . . 150 00 

Rents, salaries, and incidental expenses . . 238 34 

Gross liabilities — 100,022 75 



Surplus $36,158 46 



Income. 

Net cash premiums received . , 
Received for interest from all sources 
Deposit notes received during the year . 



. $49,752 36 
8,171 52 



$49,534 68 



Gross cash income . . . . .... $57,923 88 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for state and local taxes . 

for profits or surplus on terminated policies 

for rents ....... 

for incidental expenses .... 

Gross cash expenditures . . . . 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $13,512,649 00 
written during 1880 . . . 3,459,794 00 



$20,272 31 

6,000 15 

2,700 00 

467 98 

26,487 90 

450 00 

1,171 47 

$57,549 81 



Total 
terminated during 1880 



-$16,972,443 00 
. 3,756,593 00 



Net amount in force Dec. 31, 1880 $13,215,850 00 

Deposit notes received on outstanding risks .... 195,046 72 

Losses incurred during the year 16,681 26 

Percentage of profits or surplus returned during 1880, 25 and 50 per cent. 

4 



26 



MASSACHUSETTS MUTUAL FIRE [Dec.31, 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, FITCH- 
BURG. (Second Class.) 



Detailed Statement of Stocks and Bonds 



Agricultural Branch Railroad bonds 
50 shares Boston, Clinton, Fitchburg, and New- 
Bedford Railroad ..... 



Securities held as collateral for cash loans : 

2 shares Putnam Machine Company 
80 " Wakefield Rattan Company 
40 " Simonds Manufacturing Company 
60 " Fitchburg Gas Company . 
Personal loans ...... 



Par value. 

$3,000 00 



Market value. 

$3,000 00 



5,000 00 5,000 00 



5,000 00 



$8,000 00 

Loaned thereon. 

$1,400 00 
6,400 00 
2,500 00 
5,000 00 

19,780 00 



$35,080 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Stocks and bonds as per schedule . 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in the Fitchburg Nat'l Bank 
deposited in the Wachusett Nat'l Bank 
Premiums in course of collection (net) 
Interest due and accrued .... 
Gross assets . . , . 

Liabilities. 

Losses and claims adjusted, but not due . 
Unearned premiums on outstanding risks 
Dividends of profits due on terminated policies 
State and local taxes due or accrued 
Rent, salaries, and incidental expenses . 
Gross liabilities .... 



$11,795 00 

37,255 59 

8,000 00 

35,080 00 

13 71 

2,539 66 

143 47 

3,773 70 

1,589 79 



$950 00 

11,758 05 

300 00 

64 55 

67 25 



$100,190 92 



13,139 85 



Surplus $87,051 07 

Income. 

Net cash premiums received . . . . . . . $20,489 19 

Received for interest from all sources and rents . . . 5,461 60 

Deposit notes received during the year . . $20,476 69 

Gross cash income $25,950 79 

Expenditures. 
Paid for losses during the year $11,995 57 



for brokerage and commissions 



2,689 88 



1880.] 



INSURANCE COMPANIES. 



27 



Paid for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses . 

Gross cash expenditures .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total 
terminated during 1880 . 



51,123,173 00 
1,310,647 00 



$1,300 00 

177 31 

3,321 63 

150 00 

620 32 

$20,254 71 



12,433,820 00 
944,325 00 



Net amount in force Dec. 31, 1880 . . . . . $1, 489, 495 00 

Deposit notes received on outstanding risks .... 23,516 10 

Losses incurred during the year . . .... 12,945 57 

Percentage of profits or surplus returned during 1880, 20 per cent. 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 

GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 12, 1829.] 

William Keith, President. Gorham D. Williams, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 



United States bonds _ . 
50 shares Greenfield Gas-Light Company 
17 " Shelburne Falls National Bank 
Personal loans ..... 



Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule 
Cash deposited in various banks 
Premiums in course of collection (net) 
Interest accrued ..... 
Office furniture and safe . . . $500 00 
Gross assets 

Liabilities. 

Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
Dividends of profits due on terminated policies 
State and local taxes due or accrued 

Gross liabilities .... 

Surplus 



Par value. 


Market value. 


. $10,500 00 


$10,500 00 


2,500 00 


2,050 00 


1,700 00 


2,040 00 


. 


339 27 




$14,929 27 


31, 1880. 




$600 00 




14,929 27 




5,294 80 




1,379 32 




197 72 

A 




u 


$22,401 11 




$65 00 




16,732 90 




546 73 




13 89 






17,358 52 






$5,042 59 



28 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the year 

Deduct return premiums 

Net cash premiums received . 

Received for interest on mortgages . 

for interest from all other sources 
Deposit notes received during the year . 

Gross cash income 



Expenditures. 
Paid for losses during the year . . ■. 
for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ...... 

for incidental expenses .... 



Gross cash expenditures . 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 
written during 1880 

Total 
terminated during 1880 



$7,015 50 




637 62 




— 


$6,377 88 


. 


10 00 


.... 


815 00 


. $21,046 50 





1,312,550 00 
527,241 00 



$7,202 88 





$3,115 06 




663 62 




976 00 




57 00 




2,138 11 




150 00 




157 76 



',257 55 



-$3,839,791 00 
. 1,138,956 00 



Net amount in force Dec. 31, 1880 $2,700,835 00 

Deposit notes received on outstanding risks ..... 62,432 12 

Losses incurred during the year . . .... 1,226 18 

Percentage of profits or surplus returned during 1880, 10 to 25 per cent. 



GRANBY MUTUAL FIRE INSURANCE COMPANY, GRANBY. 

[Incorporated Aug. 31, 1877. Commenced business Aug. 31, 1877.] 

S. M. Cook, President. Charles E. Hunt, Secretary. 

[Note. — Insures property in the town of Granby only.] 

Summary of Assets Dec. 31, 1880. 

Cash in the office of the company . 

deposited in the Holyoke Savings Bank . 



$22 76 
729 53 



Gross assets ..... 

Income. 

Net cash premiums received . 
Received for interest from all sources 
Deposit notes received during the year . 

Gross cash income .... 



$752 16 



$752 29 



£91 57 
30 35 



L21 92 



1880.] INSURANCE COMPANIES. 29 

Expenditures. 

Paid for salaries and fees of officers and employes . . $15 00 

for state and local taxes ...... 91 

for incidental expenses ...... 86 



Gross cash expenditures ... . . . . $16 77 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . . $96,605 00 
written during 1880 .... 16,715 00 

Total ...... — $113,320 00 

terminated during 1880 28,100 00 



Net amount in force Dec. 31, 1880 ..... $85,22000 
Deposit notes received on outstanding risks . . . 3,737 87 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, 

GROVELAND. 

[Incorporated March 28, 1828. Commenced business March 28, 1828.] 

Moses Foster, President. Nathaniel H. Griffith, Secretary. 

[Note. — This company charges no cash premium, but relies upon 
assessments upon deposit notes to pay losses and expenses.] 

Summary of Assets Dec. 31, 1880. 

Cash in the office of the company . . . $61 96 

Gross assets ...... — $61 96 

Liabilities. 
Owing for borrowed money secured by treas- 
urer's note $1,375 00 

Gross liabilities ..... 

Income. 

Received from assessments on deposit notes . 

from policy fees 

from borrowed money 
Deposit notes received during the year . 

Gross cash income $718 35 

Expenditures. 

Paid for losses during the year $396 00 

for salaries and fees of officers and employe's . . . 596 85 

interest on borrowed money ...... 89 83 

for state and local taxes . 4 13 





$420 85 


. 


297 50 


$450 00 




24,160 25 





30 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Paid for rents $25 00 

for incidental expenses . . . . ' 35 74 



Gross cash expenditures $1,147 55 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $1,341,154 00 



,756,438 00 
388,289 00 



written during 1880 . . -. . 415,284 00 

Total 
terminated during 1880 

Net amount in force Dec. 31, 1880 . . ... $1,368,149 00 

Deposit notes received on outstanding risks . - . . . 76,797 58 

Losses incurred during the year . . .... 396 00 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, NORTH- 
AMPTON. 

[Incorporated March 6, 1830. Commenced business July 1, 1832.] 

George W. Hubbard, President. Oliver Walker, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par value. Market value. 

53 shares Connecticut River Railroad . . $5,300 00 $8,000 00 
20 " Northampton National Bank . . 2,000 00 2,330 00 

United States bonds . . . . . 21,000 00 21,152 50 



28,300 00 $31,482 50 

Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens) . 
Stocks and bonds as per schedule . . 
Cash in the office of the company . 

deposited in the Northampton Nat'l B'k, 
Interest accrued ...... 

Office furniture, etc. . . . $500 00 

Gross assets ...... 

Liabilities. 

Unearned premiums on outstanding risks 
Dividends of profits due on terminated policies, 
State and local taxes due or accrued 

Gross liabilities . 22,062 81 



$9,600 00 




31,482 50 




369 65 




9,066 88 




869 25 






$51,388 28 
# 




21,861 23 




187 58 




14 00 





Surplus . . $29,325 47 

Income. 

Gross cash premiums received during the year, $9,337 61 
Deduct return premiums .... 260 88 
Net cash premiums received • • • »• -— - $9,076 73 



1880.] 



INSURANCE COMPANIES. 



31 



Received for interest on mortgages . 

for interest from all other sources 
Deposit notes received during the year 



11,121 66 
1,674 00 



28,012 83 



Gross cash income ......... $11,872 39 



Expenditures. 
Paid for losses during the year ..... 

for brokerage and commissions .... 

for salaries and fees of officers and employes . 
for state and local taxes ...... 

for profits or surplus on terminated policies . 
for rents ......... 

for incidental expenses ...... 

Gross cash expenditures . . . .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . $3,190,669 00 

written during 1880 . . . 743,430 00 



$3,941 02 

650 22 

1,450 00 

93 03 

3,579 02 

150 00 

300 06 

$10,163 35 



Total 
terminated during 1880. 



-$3,934,099 00 
672,545 00 



Net amount in force Dec. 31, 1880 . .... $3,261,55400 

Deposit notes received on outstanding risks . . . . 119,904 38 

Losses incurred during the year . . .... 3,941 02 

Percentage of profits or surplus returned during 1880, 40 per cent. 
Average rate to date, 40 per cent. 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, 

HINGHAM. 

[Incorporated March 4, 1826. Commenced business Sept. 1, 1823.] 

Amos Bates, President. Henry W. Cushing, Secretary. 



Detailed Statement of 

United States bonds 

Rhode Island state bonds, 6s 

Maine state bonds, 6s 

Portland city bonds, 6s . 

Plymouth water scrip 

Hull town note 

57 shares Hingham National Bank . 

60 " Old Colony National Bank 

15 li Abington National Bank . 

10 " Globe National Bank 

19 " Hamilton National Bank 

29 " Eagle National Bank 



Stocks, Bonds, Etc. 

Par val ue. 

$18,500 00 
3,000 00 
11,000 00 
3,000 00 
4,000 00 
3,500 00 
3,990 00 
6,000 00 
1,500 00 
1,000 00 
1,900 00 
2,900 GO 



Market value. 

$19,838 12 
3,570 00 
12,815 00 
3,420 00 
4,000 00 
3,500 00 
3,990 00 
7,800 00 
1,905 00 
1,100 00 
2,318 00 
3,414 75 



32 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



12 shares Union National Bank 

34 " State National Bank 

26 " North America National Bank 

11 " Commerce National Bank 

45 " Webster National Bank . 

92 « Old Colony Railroad 

76 " Boston and Albany Railroad 

Boston and Albany Railroad bonds, 7s 

Boston and Lowell Railroad bonds, 7s 

Boston and Maine Railroad bonds, 7s 

Eastern Railroad bonds . 

Hingham Water Company 



Par value. 

,$1,200 00 

' 3,400 00 

2,600 00 

1,100 00 

4,500 00 

9,200 00 

7,600 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 



Market value. 

11,780 50 

4,122 50 

2,918 50 

1,343 37 

5,045 62 

11,684 00 

12,464 00 

6,293 75 

11,875 00 

12,500 00 

5,237 50 

5,000 00 



$124,890 00 $147,935 61 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection ('net) . 
Interest due and accrued 

Gross assets ..... 

Liabilities. 

Adjusted losses and claims due and unpaid 
Losses and claims adjusted, but not due . 
Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
State and local taxes due or accrued 
Salaries accrued ..... 
Gross liabilities .... 



14,000 00 

144,700 00 

147,935 61 

78 95 

24,079 66 

2,102 19 

8,170 75 



$1,309 76 

555 00 

3,628 00 

184,898 16 

101 19 

118 00 



$331,067 16 



190,610 11 



Surplus . $140,457 05 



Income. 

Net cash premiums received . 

Received for interest on mortgages . 

for interest from all other sources 
for rents ..... 
from all other sources 

Deposit notes received during the year . 



$69,705 45 

8,303 14 

8,135 75 

75 00 

534 02 



$137,969 06 



Gross cash income . . . . .... $86,753 36 



Expenditures. 
Paid for losses during the year 

for brokerage and commissions 



,797 16 
6,618 80 



1880.] 



INSURANCE COMPANIES. 



33 



Paid for salaries and fees of officers and employes . . . $3,744 04 

for state and local taxes . . . .... 836 59 

for profits or surplus on terminated policies . . . 44,206 91 

for incidental expenses . . . .... 1,678 60 

Gross cash expenditures $82,882 10 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $21,271,548 00 
written during 1880 . . . 3,911,537 00 

Total 

terminated during 1880 



125,183,085 00 
4,054,561 00 



Net amount in force Dec. 31, 1880 $21,128,524 00 

Deposit notes received on outstanding risks .... 731,799 66 

Losses incurred during the year . . .... 28,205 96 

Percentage of profits or surplus returned during 1880, 65 to 75 per cent. 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

[Incorporated March 6, 1832. Commenced business April, 1832.] 

James C. Abbott, President. Charles W. Drew, Secretary. 



Detailed Statement of Stocks 



United States bonds .... 
Boston and Lowell Railroad bonds . 
Lowell and Lawrence Railroad bonds 
Boston, Concord, and Montreal R.R. bonds 
Lyon county bond ..... 
Edwardsville town bond .... 
9 shares Lowell Manufacturing Company 

4 ' 

5 ' 
2 ' 



Massachusetts Cotton Mills 

Appleton Company . 

Merrimack Manufacturing Company 
8 " Franklin Company . 
29 " Vermont and Canada Railroad 
6 " Vermont and Massachusetts R.R. 



and Bonds. 

Par value. 

$1,050 00 
4,000 00 
4,000 00 
6,000 00 
1,000 00 
1,000 00 
6,210 00 
4,000 00 
5,000 00 
2,000 00 

800 00 
2,900 00 

600 00 



Market value. 

$1,097 25 

4,480 00 

4,200 00 

6,300 00 

1,000 00 

1,000 00 

8,550 00 

4,800 00 

5,750 00 

3,200 00 

841 00 

435 00 

753 00 



$38,560 00 $42,406 25 



Market value. Loaned thereon. 

$1,690 00 $1,000 00 



Securities held as collateral for cash loans 

13 shares Prescott National Bank, Lowell 

Summary of Assets Dec. 31, li 

Loans on mortgage of real estate (first liens) . $15,150 00 
Stocks and bonds as per schedule . . . 42,406 25 
Loans on collateral security as per schedule . 1,000 00 



34 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Cash in the office of the company .... $187 59 
deposited in various banks . . . 3,401 61 
Premiums in course of collection (net) . . 848 75 

Interest due and accrued .... 781 83 

Office furniture .... $145 00 

Gross assets ...... 



Liabilities. 
Unearned premiums on outstanding risks 
Gross liabilities .... 



. $12,443 29 



,776 03 



12,443 29 



Surplus $51,332 74 



Income. 

Gross cash premiums received during the year, 

Deduct return premiums . 

Net cash premiums received . 

Received for interest on mortgages . 

for interest from all other sources 
for rents ..... 

Deposit notes received during the year . 



5,340 42 
132 99 



£8,207 43 
638 00 

2,533 25 
150 00 



$26,183 34 



Gross cash income . $11,528 68 



Expenditures. 
Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for state and local taxes .... 

for profits or surplus on terminated policies 

for rents . . . . 

for incidental expenses .... 

Gross cash expenditures . 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . $1,850,788 00 

written during 1880 .... 803,498 00 

Total { 

terminated during 1880 



$957 28 

62 82 

2,241 32 

82 63 

3,741 51 

225 00 

335 14 

$7,645 70 



!,654,286 00 
680,918 00 



Net amount in force Dec. 31, 1880 $1,973,368 00 

Deposit notes received on outstanding risks .... 74,65977 

Losses incurred during the year 957 28 

Percentage of profits or surplus returned during 1880, 40 and 50 per cent. 
Average rate to date, 40 and 50 per cent. 



1880.] 



INSURANCE COMPANIES. 



35 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828.] 

Thomas B. Newhall, President. William F. Johnson, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States bonds 12,000 00 

Somerville city bonds . . . . . 5,000 00 

Chicago city bonds 3,000 00 

Cambridge city bonds . . . . . 2,000 00 

St. Louis city bonds 2,000 00 

Charlestown city bonds 2,000 00 

Lynn city bonds . . . . . . 1,000 00 

Burlington city bond ..... 500 00 

Ind'polis, Decatur, and Springfield R.R. bond, 1,000 00 

Ohio and West Virginia Railroad bond . . 1,000 00 

Chicago, Mil., and St. Paul R.R. bond . . 1,000 00 

Cedar Rapids and Missouri River R.R. bonds, 4,000 00 

Revere Beach Railroad bonds .... 2,000 00 

52 shares First National Bank . . . 5,200 00 

20 " National City Bank .... 2,000 00 

5 " Central National Bank . . . 500 00 

10 " Merchants' National Bank . . 1,000 00 

Loaned on personal security .... - 



Summary of Assets Dec. 31, 1880. 



Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 
deposited in the various banks 
Interest due and accrued 
Office furniture and safe . . . $400 00 
Gross assets 

Liabilities. 

Unearned premiums on outstanding risks 
Dividends of profits due on terminated policies, 
Gross liabilities ..... 



$9,500 00 
41,380 00 

229 87 
3,985 56 

756 42 



$21,358 99 
129 32 



Market value. 

$2,240 00 
5,250 00 
3,360 00 
2,160 00 
2,160 00 
2,060 00 
1,040 00 

525 00 
1,150 00 
1,100 00 
1,100 00 
4,480 00 
2,160 00 
6,500 00 
3,000 00 

675 00 
1,420 00 
1,000 00 

$41,380 00 



$55,851 85 



21,488 31 



Surplus $34,363 54 

Income. 

Gross cash premiums received during the year, $4,610 51 
Deduct return premiums . . . . . 190 29 
Net cash premiums received .... $4,420 22 



36 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



. 


$535 38 


. 


•2,166 29 


. 


258 00 


$18,394 06 





Received for interest on mortgages . 

for interest from all other sources 

from policy fees 
Deposit notes received during the year . 



Gross cash income . . . ...... $7,379 89 



Expenditures. 

Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses . . . . 



$820 70 


1,258 


34 


46 


23 


2,711 


59 


150 


00 


320 


54 



Gross cash expenditures . 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total . 

terminated during 1880 . 



$5,307 40 



$1,513,694 00 
. 331,620 00 



-$1,845,314 00 
. 346,880 00 



Net amount in force Dec. 31, 1880 $1,498,434 00 

Deposit notes received on outstanding risks . ... . 83,989 17 

Losses incurred during the year . . .... 306 00 

Percentage of profits or surplus returned during 1880, 60 per cent. 
Average rate to date, 75 per cent. 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business Jan. 1, 1847.] 

Isaac Davis, President. E. B. Stoddard, Secretary. 

Detailed Statement op Stocks, Bonds, Etc. 

Par value. Market value. 

Worcester and Nashua Railroad bonds . . $20,000 00 $20,000 00 

Providence and Worcester Railroad bonds . 25,000 00 29,000 00 

Lawrence city bonds . . . . . 20,000 00 20,000 00 

20 shares Central National Bank . . . 2,000 00 2,700 00 

25 " Wachusett National Bank . . 2,500 00 4,375 00 

20 " Westminster National Bank . . 2,000 00 2,000 00 

13 " Mechanics' National Bank . . 1,300 00 1,495 00 

6 " Q.uinsigamond National Bank . . 600 00 690 00 



$73,400 00 $80,260 00 



1880.] 



INSURANCE COMPANIES. 



37 



Securities held as collateral for cash loans: — 

10 shares Worcester and Nashua Railroad 
5 " Worcester Safe Deposit and Trust Company- 
Personal loans 



Loaned thereon. 

$1,500 00 
5,000 00 

$6,500 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash deposited in the First National Bank 

deposited in the Quinsigamond Nat'l B'k 
Premiums in course of collection (net) . 
Interest due and accrued 

Gross assets . . . 



$50,000 00 
4,000 00 

80,260 00 
6,500 00 

73,123 29 
1,397 80 
4,053 20 
1,000 00 



$220,634 29 



Liabilities. 

Unearned premiums on outstanding risks 
Dividends of profits due on terminated policies, 
Gross liabilities . . ■ . 

Surplus . . . ■ . 



$100,225 38 
2,000 00 



102,225 38 

$118,408 91 



Income. 

Gross cash premiums received during the year 

Deduct return premiums 

Net cash premiums received . 

Received for interest on mortgages . 

for interest from all other sources 
for rents ..... 



Deposit notes received during the year 



Gross cash income 



$53,556 47 
1,611 73 



$106,369 96 



$51,944 74 

181 17 

6,660 81 

3,042 38 



11,829 10 



Expenditures. 

Paid for losses during the year . 
for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes . 
for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 



$13,119 04 
7,530 13 
6,513 00 

815 77 

20,594 55 

2,000 00 

1,999 69 



Gross cash expenditures 



,572 18 



38 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Risks outstanding Dec. 81, 1879 . . 113,921,288 00 

written during 1880 .... 4,016,235 00 

Total 

terminated during 1880 ..... 



Net amount in force Dec. 31, 1880 
Deposit notes received on outstanding risks 
Losses incurred during the year . 



417,937,523 00 
. 3,934,709 00 

$14,002,814 00 

400,901 54 

11,784 61 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, 

ANDOVER. 

[Incorporated Feb. 7, 1828. Commenced business April 1, 1828.] 

William S. Jenkins, President. J. A. Smart, Secretary. 



Detailed Statement of Bonds. 



United States bonds, 6s 

Maine state bonds . 

Cleveland city bonds 

Albany city bonds . 

Chicago city water bonds 

St. Louis city bonds 

Cincinnati city bonds 

Charlestown city bonds 

Norwich city bonds 

Fall River city bonds 

Lynn city bonds 

Northampton town bonds 

Boston and Maine Railroad bonds . 

Boston and Providence Railroad bonds 

Boston and Lowell Railroad bonds . 

Old Colony Railroad bonds 

Chicago, Burlington, and Quincy R.R. bonds, 



Securities held as collateral for cash loans : 
30 shares Methuen National Bank . 



Par value. 

$27,000 00 

6,000 00 

10,000 00 

10,000 00 

12,000 00 

6,000 00 

9,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 



Market value. 

$35,610 00 
6,900 00 

10,150 00 

11,300 00 

14,160 00 
6,540 00 

10,730 00 
5,850 00 
6,250 00 

11,400 00 
5,500 00 
5,800 00 

12,500 00 
6,250 00 
6,000 00 

11,400 00 
5,200 00 



$145,000 00 $171,540 00 



Market value. Loaned thereon. 

$4,000 00 $3,000 00 



Summary of Assets Dec. 31, 1880. 



Loans on mortgage of real estate (first liens) 
Bonds as per schedule .... 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (net) 
Interest due and accrued . 

Gross assets .... 



$5,000 00 

171,540 00 

3,000 0Q 

1,008 34 

19,051 71 
2,583 05 
4,025 09 



$206,208 19 



1880.] 



INSURANCE COMPANIES. 



39 



Liabilities. 

Loss and claims adjusted, but not due . . $3,067 50 

Unearned premiums on outstanding risks . 104,898 77 

Dividends of profits due on terminated policies, 200 00 

Gross liabilities 



Surplus 



$108,166 27 



,041 92 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums 
Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 
Deposit notes received during the year . 



Gross cash income . $57,236 87 



•, $49,440 13 




2,448 48 






$46,991 65 




.... 


455 00 


. 


9,790 22 


. $99,961 80 





Expenditures. 
Paid for losses during the year . 
for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures . 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . $14,377,482 00 
written during 1880 . . . 3,770,054 00 



$12,607 79 


7,057 


13 


3,767 


00 


438 


10 


16,925 


11 


70 


00 


1,045 71 


$41,910 84 



Total 
terminated during 1880 . 



-$18,147,536 00 
. 3,180,992 00 



Net amount in force Dec. 31, 1880 $14,966,544 00 

Deposit notes received on outstanding risks .... 250,024 3 

Losses incurred during the year . . .... 15,051 49 

Percentage of profits or surplus returned during 1880, 40 and 50 per cent. 
Average rate to date, 35 per cent. 



40 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, 

CONCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1826.] 

George Heywood, President. Richard Barrett, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bond ...... 

15 shares Merchants' National Bank, Boston, 
40 " Webster National Bank, Boston 
25 " Eliot National Bank, Boston . 

53 " Boston National Bank, Boston 

54 " Howard National Bank, Boston 
30 *' Revere National Bank, Boston 

50 " Blackstone National Bank, Boston 

113 " Shawm ut National Bank, Boston 
18 " State National Bank, Boston . 
20 " Faneuil Hall Nat' I Bank, Boston 
44 " North America Nat'l Bank, Boston 
33 " Concord National Bank . 
10 " Central National Bank, Boston 
36 " Traders' National Bank, Boston 
40 " Boston and Albany Railroad . 
25 " Fitch burg Railroad 
50 " Phila., Wilmington, and Bait. R.R 

Boston and Albany Railroad bonds, 7s . 

Personal loans (secured) .... 

Concord town loan . ... 

Eastern Railroad bonds .... 



Securities held as collateral for cash loans; 

Wisconsin Valley Railroad bond 

So. Kansas and Western Railroad bond . 



Par value. 

$10,000 00 
1,500 00 
4,000 00 
2,500 00 
5,300 00 
5,400 00 
3,000 00 
5,000 00 

11,300 00 
1,800 00 
2,000 00 
4,400 00 
3,300 00 
1,000 00 
3,600 00 
4,000 00 
2,500 00 
2,500 00 

40,000 00 



4,000 00 



Market value . 

$11,237 50 
2,145 00 
4,485 00 
2,828 00 
6,187 75 
6,480 00 
3,607 50 
5,850 00 
13,616 50 
2,182 50 
2,550 00 
4,939 00 
4,290 00 
1,125 00 
3,744 00 
6,560 00 
3,612 50 
3,600 00 
50,350 00 
13,000 00 
19,500 00 
4,190 00 

$176,080 25 



Market value. Loaned thereon. 

$14,430 00 $10,000 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in the Concord Nat'l Bank 
Premiums in course of collection (net) 
Interest due and accrued .... 
Gross assets ..... 



$37,500 00 

116,200 00 

176,080 25 

10,000 00 

2,180 70 

17,997 99 

5,709 13 

7,881 00 



$373,549 07 



1880.] 



INSURANCE COMPANIES. 



41 



Liabilities. 

Unearned premiums on outstanding risks 
Dividends of profits due on terminated policies, 
State and local taxes due or accrued 
Gross liabilities . 



.37,517 60 
247 50 
117 85 



$137,882 95 



Surplus $235,666 12 



Income. 

Net cash premiums received . 

Received for interest on mortgages . 

for interest from all other sources 
for rents ..... 
from policy fees 

Deposit notes received during the year . 

Gross cash income .... 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for interest on borrowed money 

for state and local taxes .... 

for profits or surplus on terminated policies 

for incidental expenses .... 

Gross cash expenditures .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total 
terminated during 1880 . 



$63,407 27 

6,579 79 

8,219 32 

561 50 

147 00 



52,718 21 



$78,914 88 



$14,735 96 
8,920 33 
6,771 60 
24 00 
1,233 03 
34,969 49 
1,495 26 

,149 67 



,466,272 00 
4,212,950 00 



-$22,679,222 00 
. 3,889,580 00 



Net amount in force Dec. 31, 1880 . . ... $18,789,64200 

Deposit notes received on outstanding risks .... 275,035 21 

Losses incurred during the year . . .... 14,735 96 

Percentage of profits or surplus returned during 1880, 50 and 60 per cent. 



MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORD. 

[Incorporated April 30, 1851. Commenced business Jan. 1, 1852.] 

M. A. Blunt, President. George G. Parker, Secretary. 



Detailed Statement of Stocks. 

Par value. 

10 shares Milford National Bank . . . $1,000 00 
9 " Hide and Leather National Bank . 900 00 



Market value. 

$1,300 00 
1,035 00 



$1,900 00 $2,335 00 



42 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1880. 

Stocks as per schedule . . . ... $2,335 00 

Loans on collateral security .... 3,500 00 

Cash in the office of the company . . . 564 91 

Premiums in course of collection (net) . . 319 23 

Office furniture . . . . $100 00 

Gross assets $6,719 14 

Liabilities. 

Unearned premiums on outstanding risks . $3,448 53 

Dividends of profits due on terminated policies, 20 00 

Incidental expenses . . . ._ 40 00 

Gross liabilities 3,508 53 



Surplus . . . $3,210 61 

Income. 

Gross cash premiums received during the year, 

Deduct return premiums 

Net cash premiums received . 

Received for interest from all sources 

from policy fees 
Deposit notes received during the year 

Gross cash income . 



$1,803 98 




34 07 






$1,769 91 




. . 


285 00 


. . . 


60 00 


$5,399 94 





$2,114 91 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 
for incidental expenses .... 

Gross cash expenditures . 



$20 00 


88 


51 


269 


13 


18 77 


476 


84 


165 


91 



$1,039 16 



Miscellaneous. 



Risks outstanding Dec. 31, 1879 
written during 1880 

Total 
terminated during 1880 



$736,605 00 
162,834 00 



$899,439 00 
167,940 00 



Net amount in force Dec. 31, 1880 $731,499 00 

Deposit notes received on outstanding risks .... 19,582 10 

Losses incurred during the year ...... 20 00 

Percentage of profits or surplus returned during 1880, 25 per cent. 
Average rate to date, 25 per cent. 



1880.] 



INSURANCE COMPANIES. 



43 



MILL-OWNERS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated June 13, 1873. Commenced business Aug. 1, 1873.] 

William H. Kent, President. Frederick S. Cabot, Secretary. 

Office, 131 Devonshire Street. 



Summary of Assets Dec. 31, 1880. 



United States bonds 
Boston city bonds . 
Corporation notes .. 
Cash in the office of the company 

deposited in various banks 
Interest due and accrued 
Office furniture 
Gross assets 



$450 00 



$11,000 00 

36,400 00 

17,000 00 

11 39 

5,357 17 

1,008 53 



$70,777 09 



Liabilities. 

Adjusted losses and claims due and unpaid 
Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
Gross liabilities .... 

Balance against the company . 



$46 71 
17,500 00 
53,497 67 



71,044 38 



$267 29 



Income. 

Gross cash premiums received during the year, $112,795 36 
Deduct return premiums ..... 4,656 27 

Net cash premiums received .... . $108,139 09 

Received for interest from all sources ..... 2,441 92 

Deposit notes received during the year . . $534,976 70 

Gross cash income $110,581 01 



Expenditures. 

Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 



$36,013 14 
9,713 13 
1,065 50 

64,382 38 
1,084 00 

$1,576 63 



Gross cash expenditures 



$113,834 78 



44 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . -19,512,397 00 

written during 1880 . . . 11,490,878 00 

Total ..... 

terminated during 1880. . . 



-$21,003,275 00 
. 9,917,267 00 



Net amount in force Dec. 31, 1880 111,056 008 00 

Deposit notes received on outstanding risks .... 531,976 70 
Losses incurred during the year . • . .... 53,556 97 
Percentage of profits or surplus returned during 1880, 69$ per cent. 
Average rate to date, 63 t 7 q per cent. 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 23, 1827. Commenced business July 26, 1827.] 

W. C. Sturtevant, President. Frank R. Young, Secretary. 



Detailed Statement of Stocks 



United 

Boston 

75 shar 

61 

25 

25 

25 

10 

50 

50 

10 

50 



States bonds 

and Albany Railroad bonds 
es Second National Bank 
Chicopee National Bank . 
John Hancock National Bank 
First National Bank 
Chapin National Bank 
Monson National Bank . 
Hadley Falls National Bank 
National Bank of Commerce 
First National Bank, Chicope 
Boston and Albany Railroad 



and Bonds. 

Par value. 

$9,000 00 
7,000 00 
7,500 00 
6,100 00 
2,500 00 
2,500 00 
2,500 00 
1,000 00 
5,000 00 
5,000 00 
1,000 00 
5,000 00 



Market value. 

$9,010 00. 

8,960 00 

12,375 00 

8,845 00 

2,750 00 

3,625 00 

3,000 00 

1,400 00 

7,500 00 

6,000 00 

1,500 00 

8,500 00 



$54,100 00 $73,465 00 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens) . $31,950 00 

Stocks and bonds as per schedule . . . 73,465 00 

Cash in the office of the company ... 21 86 

deposited in various banks . . . 5,392 63 

Interest due and accrued .... 815 83 

Gross assets . . . . - . 

Liabilities. 

Unearned premiums on outstanding risks . $31,959 77 

Dividends of profits due on terminated policies, 384 42 

Gross liabilities ..... 



$111,645 32 



32,344 19 



Surplus 



$79,301 13 



1880.] 



INSURANCE COMPANIES. 



45 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums .... 
Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 

from policy fees 
Deposit notes received during the year . 

Gross cash income .... 



1,220 04 

687 67 



522,381 08 



110,532 37 

1,906 47 

3,951 87 

440 00 



116,830 71 



Expenditures. 

Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures . . 



$3,877 14 

2,590 00 

106 07 

7,937 44 

200 00 

362 59 

115,073 24 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total . . . . 

terminated during 1880. 



1,917,575 00 
712,800 00 



,630,375 00 
765,850 00 



Net amount in force Dec. 31, 1880 . .... $3,864,525 00 

Deposit notes received on outstanding risks .... 127,839 08 

Losses incurred during the year . . .... 2,266 50 

Percentage of profits or surplus returned during 1880, 75 per cent. 
Average rate to date, 75 per .cent. 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 10, 1861. Commenced business July 15, 1864.] 

Amos Stone, President. George H. Pendekgast, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par value. Market value. 

10 shares Monument National Bank . . $1,000 00 $1,805 00 

20 " National Bank of Republic . . 2,000 00 2,560 00 

31 » Charlestown Gas Company . . 1,550 00 2,325 00 

United States bonds 3,000 00 3,045 00 



$7,550 00 



',735 00 



46 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, # 1880. 

Loans on mortgage of real estate (first liens) . $21,520 00 

Stocks and bonds as per schedule . . . 9,735 00 

Cash in the office of the company ... 17 55 

deposited in the Monument Nat'l Bank . 50 74 

deposited in the Savings Bank . . 1,887 12 

Premiums in course of collection (net) . . 80 97 

Interest due and accrued . ■ . . . 394 00 
Oflice furniture . . . . $175 00 

Gross assets ...... 

Liabilities. 

Claimed and reported losses not adjusted . $50 00 

Owing for borrowed money . ... 200 00 

Unearned premiums on outstanding risks . 5,514 25 

Dividends of profits due on terminated policies, 28 43 

Gross liabilities ..... 



$33,685 38 



5,792 68 



Surplus 

Income. 

Gross cash premiums received during the year, 
Deduct return premiums . . . . 

Net cash premiums received .... 
Received for interest on mortgages 

for interest from all other sources 
Deposit notes received during the year . 



$27,892 70 



1,382 88 
94 07 



1,310 56 



$2,288 81 

1,298 92 

537 72 



Gross cash income $4,125 45 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 

for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures . . . . . . 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $1,071,550 00 

written during 1880 .... 214,875 00 



$5 00 
320 17 

21 26 
742 67 
400 00 
113 96 



,603 06 



Total 
terminated during 1880 



-$1,286,425 00 
. 233,350 00 



Net amount in force Dec. 31, 1880 . . . . . $1,053,075 00 
Deposit notes received on outstanding risks .... 28,494 55 
Losses incurred during the year . . . 55 00 

Percentage of profits or surplus returned during 1880, 25 per cent. 
Average rate to date, 25 per cent. 



1880.] 



INSURANCE COMPANIES. 



47 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

[Incorporated February, 1829. Commenced business May 1, 1829.] 

Amos Noyes, President. Joseph J. Knapp, Secretary. 



Detailed Statement of Stocks and Bonds. 



100 shares Merchants' National Bank 
18 " Mechanics' National Bank 
31 " Ocean National Bank 
15 " Washington National Bank . 
10 " Traders' National Bank . 
10 " Hide and Leather National Bank 

Eastern Railroad bonds 

Lawrence city bonds 

Lowell city bonds . 

Fall River city bonds 

Chelsea city bonds . 

Natick town bonds . 



Par value. 

^2,000 00 
1,800 00 
1,550 00 
1,500 00 
1,000 00 
1,000 00 
5,500 00 
1,000 00 
2,000 00 
1,000 00 
1,000 00 
2,000 00 



Market value. 

12,700 00 

2,484 00 

2,077 00 

2,062 50 

1,035 00 

1,170 00 

5,720 00 

1,150 00 

2,320 00 

1,120 00 

1,040 00 

2,100 00 



121,350 00 $24,978 50 



Summary of Assets Dec. 31, 1880. 

Stocks and bonds as per schedule . . . $24,978 50 
Cash deposited in the Merchants' Nat'l Bank, 

deposited in the savings banks 
Interest accrued ...... 

Office furniture and safe . . . $225 40 
Gross assets ...... 

Liabilities. 

Unearned premiums on outstanding risks 
Dividends of profits due on terminated policies, 
Rents, salaries, and incidental expenses . 

Gross liabilities ..... 



Surplus 



2 47 




1,994 79 




172 00 







$27,147 76 


$4,216 79 




105 29 




80 00 






4,402 08 






$22,745 68 



Income. 

Gross cash premiums received during the year . . . $1,201 12 

Received for interest from all sources ..... 1,164 56 

for rents 45 00 

from policy fees 51 36 

Deposit notes received during the year . . $9,608 96 

Gross cash income $2,462 04 



48 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Expenditures. 

Paid for salaries and fees of officers and employe's 
for state and local taxes .... 
for profits or surplus on terminated policies 
for rents . . . 
for incidental expenses . 

Gross cash expenditures . $1,700 66 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . . $689,785 00 

written during 1880 .... 95,500 00 

Total $785,285 00 

terminated during 1880 . . . . . . . 102,550 00 



$275 00 


12 


01 


1,214 


62 


100 


00 


99 


03 



Net amount in force Dec. 31, 1880 . . ... . $682,73500 

Deposit notes received on outstanding risks .... 47,843 00 

Percentage of profits or surplus returned during 1880, 100 per cent. 
Average rate to date, 100 per cent. 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated Feb. 12, 1825. Commenced business July 1, 1825.] 

Ira Cleveland, President. Elijah Howe, Jun., Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $50,000 00 $56,000 00 

Chicago city sewerage loans, 7s 7,000 00 8,260 00 

Cincinnati city bonds, 7 t 3 qS .... 25,000 00 32,000 00 

Marquette and Ontonagon Railroad bonds, 8s, 32,000 00 37,760 00 

Philadelphia and Reading Railroad bonds, 7s, 8,000 00 10,000 00 

Old Colony Railroad bonds, 6s 12,000 00 13,680 00 

New England Mortgage Security bonds, 7s . 20,000 00 21,800 00 

Union Pacific Collateral Trust Co. bonds . 10,000 00 10,500 00 



$164,000 00 $190,000 00 

Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $17,500 00 

Loans on mortgage of real estate (first liens) . 90,100 00 

Stocks, bonds etc., as per schedule . . . 190,000 00 
Cash in the office of the company and deposited 

in bank 11,321 00 

Premiums in course of collection (net) . . 4,197 72 

Interest due and accrued .... 5,723 60 

Rents accrued ....... 366 00 

Gross assets ...... $319,208 32 



1880.] 



INSURANCE COMPANIES. 



49 



Liabilities. 

Adjusted losses and claims due and unpaid 
Losses and claims adjusted, but not due . 
Unearned premiums on outstanding risks 
Return premiums on cancelled policies . 
Dividends of profits due on terminated policies 
Salaries and incidental expenses 

Gross liabilities .... 



Surplus 



$43 00 
682 00 
114,052 85 
315 08 
6,184 38 
863 20 



Income. 

Net cash premiums received . 

Received for interest on mortgages 

for interest from all other sources 
for rents ..... 
from all other sources 

Deposit notes received during the year . 



Gross cash income 



$72,495 16 



Expenditures. 



Paid for losses during the year 

for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 
for incidental expenses .... 

Gross cash expenditures .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . $14,312,037 94 
written during 1880 . . . 2,387,050 00 

Total .... 

terminated during 1880 



Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 
Losses incurred during the year 



$122,140 51 
$197,007 81 



$36,445 51 

5,104 28 

10,009 92 

1,634 67 

36 50 



$53,230 88 



$14,716 36 

5,417 59 

2,923 29 

629 70 

19,880 25 

1,025 57 

$44,592 76 



$16,699,087 94 
. 2,516,787 00 



$14,182,300 94 

. 454,007 72 

14,382 36 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commenced business May, 1851.] 

Israel W. Munroe, President. Charles A. Rowland, Secretary. 

Detailed Statement of Stocks and Bonds. 

rarv;ilue. Market value. 

United States registered bonds, 6s . . . $10,000 00 $10,100 00 
200 shares Manufacturers' National Bank . 20,000 00 21,000 00 
7 



50 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



40 shares 


111 


u 


25 


a 


100 


a 


66 


n 


70 


u 


45 


a 


50 


a 


37 


a 


75 


a 


10 


a 


50 


a 


46 


a 


197 


<< 


45 


a 


50 


a 


64 


a 


38 


u 


67 


n 


10 


a 


411 


a 


174 


u 


5 


<< 


28 


tt 



Merchants' National Bank 
Third National Bank 
State National Bank 
North National Bank 
Washington National Bank . 
Second National Bank . 
Blackstone National Bank 
First National Bank 
Revere National Bank . 
Redemption National Bank . 
Market National Bank . 
Hamilton National Bank 
Continental National Bank 
Mount Wollaston National Bank 
Granite National Bank . 
Wachusett National Bank 
Hingham National Bank 
First Nat'l Bank, So. Weymouth 
Union National Bank, Weymouth 
Quinsigainond Nat. B ! k, Worcester 
Old Colony and Newport Railroad 
Boston and Albany Railroad . 
Citizens' Gas-Light Company 
Lawrence Duck Company 



Par value. 

, $4,000 00 

11,100 00 

2,500 00 

10,000 00 

6,600 00 

7,000 00 

4,500 00 

5,000 00 

3,700 00 

7,500 00 

1,000 00 

5,000 00 

4,600 00 

19,700 00 

4,500 00 

5,000 00 

4,480 00 

3,800 00 

G,700 00 

1,000 00 

41,100 00 

17,400 00 

500 00 

2,800 00 



Market value. 

$5,720 00 

12,100 00 
3,000 00 

13,000 00 
9,240 00 

10,500 00 
5,175 00 
9,500 00 
4,440 00 

10,575 00 
1,050 00 
6,250 00 
5,290 00 

26,595 00 
5,625 00 
7,500 00 
4,480 00 
4,750 00 
7,370 00 
1,100 00 

51,375 00 

27,840 00 

500 00 

3,0S0 00 



$209,480 00 $267,155 00 



Securities held as collateral for cash loans: — 

107 Hingham Cordage Company 
142 Lawrence Duck Company. 
Personal loans secured . 



Market value. Loaned (hereon. 

$12,810 00 $10,000 00 

15,620 00 23,091 67 

13,200 00 



$40,291 67 



Summary of Assets Dec 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Stocks and bonds as per schedule . 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (net) . 
Interest due and accrued 

Gross assets . . . 



31, 1880. 

$16,500 00 

52,700 00 

267,155 00 

46,291 67 

20 00 

25,852 39 

9,686 34 

6,841 81 



[25,047 21 



1880.] 



INSURANCE COMPANIES. 



51 



Liabilities. 

Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
Return premiums on cancelled policies . 
Dividends of profits due on terminated policies 
State and local taxes due or accrued 
Salaries and incidental expenses 

Gross liabilities .... 



;f 



12,225 00 
184,672 63 

2,500 00 

300 00 
836 10 



$190,533 73 



Surplus . . . $234,513 48 

Income. 



Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 

for rents . . 
Deposit notes received during the year . 

Gross cash income .... 



$96,986 26 

3,884 20 

15,512 03 

654 15 



$96,986 26 



. $117,036 64 



Expenditures. 
Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for state and local taxes .... 

for profits or surplus on terminated policies 

for rents . . . . 

for incidental expenses . . 

Gross cash expenditures .... 



Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $25,533,558 00 
written during 1880 . . . 6,891,221 00 



25,973 93 

14,652 42 

9,453 60 

1,542 42 

41,844 46 

200 00 

2,856 56 

$96,523 39 



Total 
terminated during 1580. 



•$32,424,779 00 
. 6,989,958 00 



Net amount in force Dec. 31, 1880 . .... . $25,434,821 00 

Deposit notes received on outstanding risks .... 369,482 83 

Losses incurred during the year 25,044 99 

Percentage of profits or surplus returned during 1880, 20 to 50 per cent. 



52 



MASSACHUSETTS MUTUAL FIRE [Dec. 81, 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 

Charles S. Nichols, President. Samuel A. Potter, Secretary. 



Detailed Statement of Stocks and Bonds. 



Chelsea city bond . 

Toledo city bonds . 

Springfield city bonds, 7s 

Cleveland city bonds, 7s . 

Cincinnati city bonds 

Chicago city bonds, 7s . 

Peoria city bonds, 7s 

St. Louis city bonds 

St. Louis county bonds, 7s 

Cook county bonds . 

20 shares Salem National Bank 

14 " Asiatic National Bank 

5 " National Exchange Bank 

6 " Cambridge Horse Railroad 
Boston and Maine Railroad bond, 7s 
Eastern Railroad bond . 

Essex Railroad bond, 6s . 

15 shares Salem Gas-Light Company 
2 " Lynn Gas-Light Company 



Par value. 

$1,000 00 

2,000 00 

1,000 00 

1,000 00 

' 2,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

2,000 00 

420 00 

500 00 

600 00 

1,000 00 

1,000 00 

1,000 00 

1,500 00 

200 00 



Market value. 

$1,100 00 

2,250 00 

1,300 00 

1,200 00 

2,550 00 

1,200 00 

1,050 00 

1,080 00 

1,100 00 

1,100 00 

2,300 00 

616 00 

560 00 

732 00 

1,250 00 

1,040 00 

1,050 00 

1,575 00 

136 00 



$20,220 00 $23,249 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens) 
Stocks and bonds as per schedule . 
Cash in the office of the company . 
Premiums in course of collection (net) 
Interest due and accrued 

Gross assets .... 



31, 1880. 

$6,470 00 

23,249 00 

1,888 79 

456 48 

322 50 



$32,3S6 77 



Liabilities. 

Unearned premiums on outstanding risks . $7,101 87 

Dividends of profits due on terminated policies, 325 55 

S tate and local taxes due or accrued . . 5 58 

Salaries and incidental expenses . . . 30S 00 

Gross liabilities ..... 



7,741 00 



Surplus $24,645 77 



1880.] 



INSURANCE COMPANIES. 



53 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums . 
Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 
Deposit notes received during the year . 

Gross cash income .... 



$5,092 49 
97 96 



$15,203 37 



Expenditures. 
Paid for losses during the year 

for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 
for incidental expenses . . 

Gross cash expenditures .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total 

terminated during 18S0 



Net amount in force Dec. 31, 1880 . . . $925,265 00 

Deposit notes received on outstanding risks .... 42,784 69 
Losses incurred during the year . . . 2,886 04 

Percentage of profits or surplus returned during 1880, 40 per cent. 
Average rate to date, 40 per cent. 



$973,775 00 
350,865 00 



$4,994 53 

453 85 

1,342 55 

$6,790 93 



$2,886, 04 


16 23 


1,284 00 


55 73 


2,432 32 


102 59 



!,776 91 



-$1,324,640 00 
. 399,375 00 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, SALISBURY. 

[Incorporated May 18, 1853. Commenced business June 13, 1855.] 

David L. Dearborn, President. Charles L. Allen, Secretary. 



Summary of Assets Dec. 31, 1S80. 

Cash in the office of the company . . . $45 36 
deposited in the Salisbury and Amesbury 

Bank 1,378 38 

Premiums in course of collection (net) . . 21 20 
Ollice safe . . . . . $100 00 

Gross assets e 



Liabilities. 
Unearned premiums on outstanding risks, 
Gross liabilities .... 



$1,141 94 



,444 94 



1,141 94 



Surplus 



$303 00 



54 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the year, 

Deduct return premiums 

Net cash premiums received . 

Received for interest from all sources 

from policy fees 
Deposit notes received during the year 



$281 90 




30 71 






$251 19 
53 50 




. 


34 00 


£3,163 00 





Gross cash income 



$338 69 



Expenditures. 

Paid for losses during the year . ... 
for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes .... 
for incidental expenses .... 

Gross cash expenditures .... 



11,450 00 


34 00 


183 40 


3 23 


34 42 



.,705 05 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total 

terminated during 1SS0 . 

Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 
Losses incurred during the year 



$366,273 00 
38,200 00 



$404,473 00 
38,825 00 

$305,648 00 

22,838 80 

1,450 00 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.] 

Harmon Hall, President. Wilbur F. Newhall, Secretary. 

[Note. — This company insures nothing but dwellings, farm-buildings, 
and their contents, in Lynn, Saugus, Lynnfield, Swampscott, and Naliant. 
No cash premiums are taken; but assessments are made on deposit notes, 
to pay losses and expenses. All policies are issued for a term of three 
years.] 

Summary of Assets Dec. 31, 1880. 



Cash in the office of the company . 
Net amount of unpaid assessments 
Office property . 
Gross assets . 



$469 81 
225 00 



$250 00 



$694 81 



1880.] 



INSURANCE COMPANIES. 



55 



Income. 

Received from assessments on deposit notes 
for rents ..... 
from policy fees 
from all other sources 

Deposit notes received during the year . 

Gross cash income .... 



$100,130 00 



Expenditures. 
Paid for losses during the year 

for salaries and i'ees of officers and employes 
for interest on borrowed money 
for state and local taxes . 

for rents 

for borrowed money . . 
for incidental expenses . . 

Gross cash expenditures . 



MISCELLANEOUS. 

Risks outstanding Dec. 31, 1S79 . . $2,428,450 00 



written during 1SS0 

Total 
terminated during; 1S80 



830,325 00 



$1,983 90 


26 


00 


561 


00 


10 


00 



$2,580 90 



1527 76 


1,104 00 


32 00 


18 40 


150 00 


800 00 


162 20 



£2,794 36 



$,258,775 00 
842,075 00 



Net amount in force Dec. 31, 1SS0 . 
Deposit notes received on outstanding risks 
Losses incurred during the year 
Assessments Jaid on deposit notes . 



$2,410,100 00 

. 292,460 00 

527 76 

1,999 45 



SIIELBURNE MUTUAL FIRE INSURANCE COMPANY, 

SIIELBURNE. 

[Incorporated June 18, 1877. Commenced business July 4, 1877.] 

N. O. Newiiall, President. Williams T. Peck, Secretary. 

[Note. — Insures property in the town of Shelburne only.] 

Summary of Assets Dec. 31, 1880. 
Cash deposited in the Shelburne Falls Savings 



Bank ...... 

Gross assets 

Income. 

Net casli premiums received . 

Deposit notes received during the year . 



$99 88 



$99 88 
$17 00 



$170 00 



Gross cash income . 



$17 00 



56 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . . $101,908 00 
written during 1880 .... 3,900 00 

Total .... 

terminated during 1880 



Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 



- $105,808 00 
700 00 

. $105,108 00 
6,859 65 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

[Incorporated June 12, 1829. Commenced business Aug. 1, 1829.] 

Isaac B. Elliot, President. George A. Osborne, Secretary. 



Detailed Statement of Stocks 



82 shares South Danvers Nat'l Bank, Peabody, 
48 
51 
20 
18 
12 
34 
30 
8 



Warren National Bank, Peabody 
Asiatic National Bank, Salem. 
Naumkeag National Bank, Salem 
Exchange National Bank, Salem 
First National Bank, Salem 
First National Bank, Danvers . 
Nat'l Hide and Leather B'k, Boston 
Andover National Bank 

United States bonds 

Cleveland city bonds 

Cincinnati city bonds 

Eastern Railroad bonds . 



and Bonds. 

Par value. 

$8,200 00 
4,800 00 
1,530 00 
2,000 00 
1,800 00 
1,200 00 
2,550 00 
3,000 00 
800 00 
6,000 00 
2,000 00 
3,000 00 
2,000 00 



Market value. 

$11,480 00 
6,240 00 
1,836 00 
2,600 00 
1,980 00 
1,320 00 
2,677 50 
3,300 00 
840 00 
6,250 00 
2,000 00 
3,150 00 
1,960 00 



$38,880 00 $45,633 50 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens) . $200 00 

Stocks and bonds as per schedule . . . 45,633 50 

Cash in the office of the company ... 62 00 

deposited in the So. Danvers Nat'l B'k . 4,715 94 

Premiums in course of collection (net) . . 4 00 

Interest accrued ....... 149 75 

Gross assets ...... 

Liabilities. 

Unearned premiums on outstanding risks . $11,018 43 

Return premiums on cancelled policies . . 408 52 

Sallies ........ 237 50 

Gross liabilities . 



,765 19 



11,664 45 



Surplus $39,100 74 



1880.] 



INSURANCE COMPANIES. 



57 



$3,147 


12 




148 


00 


$2,999 12 






• 




12 00 

2,690 70 

112 00 


$9,441 


36 





Income. 

Gross cash premiums received during the year, 
Deduct return premiums 
Net cash premiums received . 
Received for interest on mortgages . 

for interest from all other sources 

from all policy fees . 
Deposit notes received during the year . 

Gross cash income ..... 

Expenditures. 

Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 
for incidental expenses .... 



Gross cash expenditures . . . . * . 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . . $991,105 00 



written during 1880 

Total 
terminated during 1880 



143,250 00 



$5,813 82 



$45 00 


988 


00 


29 


25 


2,849 


12 


20 


33 



$3,931 70 



-$1,134,355 00 
. 138,800 00 



Net amount in force Dec. 31, 1880, . .... $995,55500 

Deposit notes received on outstanding risks .... 56 917 09 

Losses incurred during the year ...... 45 00 

Percentage of profits or surplus returned during 1880, 100 per cent. 
Average rate to date, 75 per cent. 



TRADERS' AND MECHANICS' INSURANCE COMPANY, 

LOWELL. 

[Incorporated June, 1848. Commenced business June, 1848.] 

Levi Sprague, President. Edward M. Tucke, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market, value. 

Boston and Lowell Railroad bonds . . . $15,000 00 $17,700 00 

New York and New England Railroad bonds . 3,000 00 3,000 00 

Cook County (Illinois) bonds .... 2,000 00 2,120 00 

Lynn city bonds 5,000 00 • 5,750 00 

Cambridge city bonds 5,000 00 5,750 00 

Lowell city bonds 3,000 00 3,450 00 

230 shares Traders' and Mechanics' Ins. Co. . 23, GOO 00 23, GOO 00 

50 " Connecticut River Railroad . . 5,000 00 7,500 00 

25 " Vermont and Massachusetts R.R. . 2,500 00 3,125 00 
8 



58 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



30 
50 
100 
3 
15 
50 
20 
30 
20 



5 shares Lowell Manufacturing Company 
8 " Merrimack Manufacturing Co. 
' Tremont and Suffolk Company 



Vassalborough 
Lowell Gas Company 
Massachusetts Cotton Company 
Middlesex Company 
Lawrence Gas Company 
Androscoggin IN J i lis 
Old Lowell National Bank 
National Bank of North America 



Loaned on personal security . 



$3,450 00 
8,000 00 
3,000 00 
5,000 00 

10,000 00 
3,000 00 
1,500 00 
5,000 00 
2,000 00 
3,000 00 
2,000 00 



$4,500 00 

12,800 00 
4,350 00 
3,750 00 

15,000 00 
3,000 00 
3,750 00 
6,750 00 
2,400 00 
3,600 00 
2,200 00 

10,800 00 



$110,050 00 1145,405 00 



Securities held as collateral for cash loans: — 

United States bonds* 

10 shares Stony Brook Railroad 
119 " Nashua and Lowell Railroad . 

10 " Bates Manufacturing Company 



Market value. "Loaned thereon. 



$4,400 00 

1,100 00 

16,000 00 

2,000 00 



$3,500 00 

500 00 

10,000 00 

1,800 00 



$24,160 00 $15,800 00 

Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens) . $1 OS, 400 00 

Stocks, bonds, etc , as per schedule . . 145,495 00 

Loans on collateral security. as per schedule . 15,S00 J30 

Casli deposited in the Prescott Nat'l Bank . 13,154 30 

Premiums in course of collection (net) . . 2,412 00 

Interest due and accrued .... 2,036 78 

Gross assets ....... $2S7,S9S 08 



Liabilities. 

Claims and reported losses not adjusted . 
Unearned premiums on outstanding risks 
Gross liabilities . . 



$50 00 
110, 3S0 42 
110,430 42 



Surplus 



$177,407 66 



Income. 



Gross cash premiums received during the year, $51,314 76 
Deduct return premiums .... 1,322 05 

Net cash premiums received .... $49,992 71 

Received for interest from all sources 15,S20 17 

Deposit notes received during the year . . $51,074 19 



Gross cash income 



$65,S12 88 



1880.] 



INSURANCE COMPANIES. 



59 



Expenditures. 

Paid for losses during the year ..... 
for brokerage and commissions .... 
for salaries and fees of officers and employes . 
for state and local taxes . . ... 

for profits or surplus on terminated policies . 

Gross cash expenditures ...... 

Miscellaneous. 

Risks outstanding Dec. 31, 1879 . .$14,503,943 00 

written during 1880 . . . 3,717,524 00 

' Total 

terminated during 1880 



$15,504 49 

6,632 60 

4,227 66 

502 07 

22,377 19 

$49,244 01 



$18,281,467 00 
3,533,113 00 



Net amount in force Dec. 31, 1880 $14,748,354 00 

Deposit notes received on outstanding risks .... 220,760 83 

Losses incurred dining the year . . .... 14,054 49 

Percentage of profits or surplus returned during 1880, 20, 30, and 50 per 
cent. 



WESTFORD MUTUAL FIRE INSURANCE COMPANY, 

WESTFORD. 

[Incorporated March, 1840. Commenced business July, 1840.] 

Allan Cameron, President. J. Henry Read, Secretary. 

Summary of Assets Dec. 31, 18S0. 

Loans on security . 
Cash in the office of the company 
deposited in savings banks 
Gross assets 



$190 00 


72 


10 


8S1 


00 



Liabilities. 
Unearned premiums on outstanding risks 
Gross liabilities .... 



$4,770 95 



Deficiency 



Income. 
Net cash premiums received . 
Received for interest from all sources 
Deposit notes received during the year . . $ 

Gross cash income . . . . . . 

Expenditures. 
Paid for losses during the year . . . . 

for salaries and fees of officers and employes . 
for state and local taxes ...... 

Grd*s cash expenditures . 



,239 92 



,443 10 



4,770 95 



53,327 85 



$616 96 
34 50 



$651 46 



moo oo 


17 45 


6 61 



$490 06 



60 



MASSACHUSETTS MUTUAL FIRE [Dec. 81, 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 
written during 1880 

Total . . • . 

terminated during 1880 . 

Net amount in force Dec. 31, 1880 . 
Deposit notes received on outstanding risks 
Losses incurred during the year 



$502,395 00 
70,175 00 



$572,570 00 
95,475 00 



7,095 00 

9,541 90 

4G6 00 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated April, 1828. Commenced business March, 1828.] 

William Merrill, President. Henry T. Bailey, Secretary. 

[Note. — This company charges no cash premium, but relies upon 
assessments on deposit notes to pay losses and expenses.] 



Summary of Assets Dec. 31, 18S0. 



Cash in the office of the company 
Office furniture 
Gross assets 



$24 79 



$140 00 



Liabilities. 

Owing for borrowed money secured by treas- 
urer's note ....... 

Salaries and incidental expenses 

Gross liabilities ..... 

Income. 

Received from assessments on deposit notes . 
from policy fees .... 
Deposit notes received during the year . 

Gross cash income 

Expenditures. 
Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for interest on borrowed money 

for state and local taxes .... 

for rents ....... 

for incidental expenses .... 

for office safe . . . 



24 79 



$1,305 00 




535 00 






$1,900 00 






$84 30 


. 


126 50 


$14,788 15 





$210 SO 



$658 19 


4 


CS 


4S3 


07 


15 


00 


1 


33 


10 


00 


7 


21 


104 


80 



Gross cash expenditures . 



,284 88 



1880.] 



INSURANCE COMPANIES. 



61 



Miscellaneous . 

Risks outstanding Dec. 31, 1879 . . $2,192,400 00 

written during 1880 . . . 254,490 00 

Total 



terminated during 1880 



Net amount in force Dec. 31, 1^80 . 
Deposit notes received on outstanding risks 
Losses incurred during the year 



$2,446,890 00 
149,130 00 



$2,297,760 00 

. 124,909 23 

658 19 



WORCESTER MANUFACTURERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 

George M. Rice, President. Samuel R. Barton, Secretary. 

Detailed Statement of Stocks and Bonds. 

Tar value. Market value. 

Boston and Albany Railroad bonds . . . $20,000 00 $32,095 00 

Boston and Fitchburg Railroad bonds . . 15,000 00 18,600 00 

Old Colony Railroad bonds .... 25,000 00 30,500 00 

Provider.ce and Worcester Railroad bonds . 5,000 00 5,900 00 

United States bonds 74,000 00 78,427 50 

Worcester city bonds . . . . . 10,000 00 11,725 00 

60 shares City National Bank, Worcester . 6,000 00 6,300 00 



$161,000 00 $1S4,147 50 



Summary of Assets Dec. 31, 1SS0. 



Stocks and bonds as per schedule . 
Cash in the office of the company . 

deposited in the Worcester Safe Deposit 
and Trust Company . 
Gross assets • 

Liabilities. 

Losses and claims adjusted, but not due . 
Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
State and local taxes due or accrued 

Gross liabilities .... 



$1S4,147 50 
28 64 

3,929 74 



$S4 06 
32,000 00 
76,516 14 

304 16 



$188,105 88 



108,904 36 



Surplus $79,201 52 

Income. 

Gross cash premiums received during the year, $156,831 60 
Deduct return premiums . .... 4,091 96 

Net cash premiums received .... $152,139 64 

Received for interest from all sources 9,982 96 

from profit on bonds sold ...... 27 50 

Deposit notes received during the year . . . $758,111 30 



Gross cash income 



$102,150 10 



62 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses during the year 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

for inspections . . . . 

Gross cash expenditures ...... 

Miscellaneous. 

Risks outstanding Dec. 31, 1S79 . . $1-5,747,36100 

written during 1SS0 . . . 17,217,251 88 

Total — 



$31,283 84 
3,371 80 

1.499 21 
127,300 15 

550 00 
756 74 

1.500 00 

1160,321 74 



•terminated during 1880 . 



-$32,904,612 88 
10,216,211 00 



Net amount in force Dec. 31, 1S80 . . . . . $10,748,40188 

Deposit notes received on outstanding risks . . . . 758,11130 

Losses incurred during the year . . .... 63,36784 

Percentage of profits or surplus returned during 1880, 89 t 5 q 9 ¥ per cent. 
Average rate to date, 6 i j 1 ^ per cent. 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated February, 1823. Commenced business May, 1824.] 

Ebenezer ToititEY, President. Ciiaiu.es M. Miles, Vice-President. 

lioGKit F. Upiiam, Secretary. 



Detailed Statement of Stock 

United States bonds 

170 shares Worcester National Bank 

200 " City National Bank 
50 " Citizens' National Bank. 
22 " Central National Bank . 
57 " Mechanics' National Bank 
45 " Quinsigamond National Bank 
40 " Fitchburg National Bank 
15 " Blackstone National Bank 
20 " Oxford National Bank . 

.15 " Grafton National Bank . 
15 " Southbridge National Bank 
30 " Westborough National Bank 
25 " Wachusett National Bank 

Union Pacific Railroad bonds . 

Boston, Bane, and Gardner Railroad bonds 



and Bonds. 

Tar value. 

$20,000 00 
17,000 00 
20,000 00 
5,000 00 
2,200 00 
5,700 00 
4,51)0 00 
4,000 00 
1,500 00 
2,000 00 
1,500 00 
1,500 00 
3,030 00 
2,500 00 
5,000 00 
12,000 00 



Market value. 

$22,700 00 
21,250 00 
21,600 00 
5,750 00 
3,146 00 
6,555 00 
5,175 00 
6,000 00 
1,650 00 
2,600 00 
1,650 00 
1,950 00 
3,450 00 
3,750 00 
5,570 00 
12,000 00 



$107,430 00 $124,796 00 



1880.] 



INSURANCE COMPANIES. 



63 



Securities held as collateral for cash loans : - 

10 shares Bay State House and two mortgages, 
5 " Norwich and Worcester Railroad 
15 "■ Worcester Gas- Light Company 
50 " Worcester Gas-Light Company 
Mortgage assigned ..... 
12 shares Worcester and Nashua Railroad 
50 ;t Boston and Maine Railroad 
10 " Worcester Gas- Light Company 
20 " Boston and Albany Railroad . 
26 " Providence and Worcester Railroad, J 
Personal loans ...... 



Market value. 

$2,250 00 

650 00 

1,950 00 

6,500 00 

4,000 00 

840 00 



Loaned thereon . 

11,850 00 

500 00 

1,500 00 

5,000 00 

2,500 00 

500 00 



)- 13,940 00 10,600 00 



47,735 00 



Summary of Assf.ts Dec. 31, 1880. 

Cash value of unencumbered real estate . . $80,000 00 

Loans on mortgage of real estate (first liens) . 201,812 91 

Stocks and bonds as per schedule . . . 124,796 00 

Loans on collateral security as per schedule . 70,1S5 00 

Cash in the office of the company, .and in bank, 3,825 50 

Premiums in course of collection (net) . 39 59 

Interest due and accrued .... 8,779 68 

Gross assets ...... 

Liabilities. 

Claimed and reported losses not adjusted . $2,800 00 

Unearned premiums on outstanding risks . 231,298 77 

Gross liabilities ..... 



Surplus . . . . . 

Income. 

Net cash premiums received . 
Received for interest from all sources 

for rents . . . . . 

from, all other sources 
Deposit notes received during the year . 

Gross cash income . 



$1S9,158 16 



Expenditures. 
Paid for losses during the year 

for brokerage and commissions 
for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 
for incidental expenses .... 

Gross cash expenditures .... 



$70,185 00 



$489,468 68 



237,098 77 



$252,369 91 



,579 08 

22,275 63 

5,826 59 

1,506 52 



$124,187 82 



$30,264 68 
6,878 47 
8,657 85 
2,090 41 
58,615 17 
3,430 90 

$109,937 48 



64 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $30,320,010 00 
written during 1880 . . . 6,374,038 00 

Total $36,694,048 00 

terminated during 1880 6,449,135 00 



Net amount in force Dec. 31, 1880 $30,244,913 00 

Deposit notes received on outstanding risks .... 937,19510 

Losses incurred during the year . . .... 25,052 58 

Percentage of profits or surplus returned during 1880, 60 per cent. 



1880.] 



INSURANCE COMPANIES. 



6b 



AGGREGATE. 



Assets. 
Gross present assets 

Liabilities. 
Gross present liabilities 

Income. 
Cash received for premiums during the year . 
for interest and dividends 
from assessments on deposit notes . 
for rents ....... 

from all other sources .... 


$5,251,357 00 

$2,581,391 00 

$1,860,775 00 

243,552 00 

3,971 00 

16,924 00 

13,853 00 


Gross cash income . . . . . . 

Expenditures. 
Cash paid for losses . . . . . . . 

for brokerage and commissions on premiums, 
for salaries and fees of officers and employes . 
for interest on borrowed money 
for state and local taxes ..... 

for return of profits or surplus * 

for rents ....... 

for all other expenditures .... 


$2,139,075 00 

$554,336 00 

96,051 00 

154,420 00 

181 00 

23,279 00 

1,132,407 00 

13,378 00 

48,275 00 


Gross cash expenditures . 

General Items. 
Whole amount of risks outstanding at end of year . 
of deposit notes received thereon 
of risks written during the year 
of risks terminated during the year 
of losses incurred during the year . 


$2,022,327 00 

$365,879,409 00 

12,335,676 00 

181,957,802 00 

167,744,987 00 

645,218 00 



MASSACHUSETTS MUTUAL FIKE 
INSURANCE COMPANIES, 

WITH GUARANTEE CAPITAL. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

Dec. 31, 1880. 



68 



MASS. MUTUAL FIRE INS. COS. [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated March 14, 1843. Commenced business May 23, 1843.] 

Guarantee Capital, $100,000. 

Augustus Story, President. Thomas H. Johnson, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds , $40,000 00 $45,200 00 

Massachusetts state bonds .... 4,000 00 4,520 00 

New Hampshire state bonds . . ' . . 4,000 00 4,720 00 

Licking county (O.) bonds . . . . 5,000 00 5,150 00 

Marion county (Ind.) bonds .... 5,000 00 5,350 00 

Boston (Mass.) city bonds .... 5,00000. 5,15000 

Colnmbus (O.) city bonds .... 4,000 00 4,160 00 

Cincinnati (O) city bonds .... 5,00000 6,00000 

Cleveland (O.) city bonds . . . . 10,000 00 10,750 00 

Chicago (111.) city bonds . . . . o, 000 00 5,960 00 

Chelsea (Mass.) city bonds .... 17,000 00 19,380 00 

Cambridge (Mass.) city bonds . . . 10,000 00 10,600 00 

Dayton (O.) city bonds . . . . . 2,000 00 2,000 00 

Hartford (Conn.) city bonds .... 10,000 00 11,600 00 

Jefferson ville (Ind.) city bonds . . . 7,000 00 7,980 00 

Jacksonville (111.) city bonds .... 5,000 00 5,300 00 

Lawrence (Mass.) city bonds .... 5,000 00 5,800 00 

Lynn (Mass.) city bonds .... 5,000 00 5,300 00 

Lowell (Mass.) city bonds . . . . 4,000 00 4,240 00 

Milwaukee (Wis.) city bonds .... 7,500 00 8,250 00 

Minneapolis (Minn.) city bonds . . . 5,000 00 6,000 00 

Portland (Me.) city bonds . . . . 5,000 00 5,400 00 

St. Louis (Mo.) city bonds .... 10,000 00 10,800 00 

Salem (Mass.) city bonds .... 10,000 00 11,700 00 

Delaware and Hudson Canal Co. bonds . . 5,000 00 6,000 00 

Chicago, Burlington, and Quincy R.R. bonds, 16,500 00 21,450 00 

Chicago and Alton Railroad bonds . . . 5,000 00 5,450 00 

Chicago and Eastern Illinois R.R. bonds . 5,000 00 5,350 00 

Baltimore and Ohio Railroad bonds . . 10,000 00 10,900 00 

Central Pacific Railroad bonds . . . 10,000 00 10,800 00 



1880.] 



WITH GUARANTEE CAPITAL. 



69 



Central Pacific R.R. first mortgage bonds 

Central New Jersey Railroad bonds 

Denver, So. Pk., and Pacific R.R. bonds 

Eastern Railroad bonds .... 

Lehigh Valley Railroad bonds 

Scioto Valley Railroad bonds . 

Terre Haute and South-Eastern R.R. bonds . 

Union Pacific Railroad bonds . 

Vermont Cent, and Vt. and Can. R.R. bonds, 
31 shares Old Colony Railroad 
50 " Portland, Portsm'th, and Saco R.R 

100 " Pittsb'g, Ft. Wayne, and Chi. R.R 
31 " National Exchange Bank, Salem 
10 " First National Bank, Salem . 
35 " Mercantile Nat'l Bank, Salem 
39 " Naumkeag Nat'l Bank, Salem 

140 " Salem National Bank, Salem. 
50 " National Bank of Republic, Boston, 
15 " Blackstone National Bank, Boston, 
15 " Freeman's National Bank, Boston . 
30 " Globe National Bank, Boston 

100 " Merchants' National Bank, Boston, 
30 " National Revere Bank, Boston 
75 " Second National Bank, Boston 
20 " So. Danvers Nat'l Bank, Peabody . 



$7,000 00 
6,000 00 
7,000 00 

21,000 00 
5,000 00 
6,000 00 
5,000 00 

15,000 00 
2,000 00 
3,100 00 
5,000 00 

10,000 00 
3,100 00 
1,000 00 
3,500 00 
3,900 00 

14,000 00 
5,000 00 
1,500 00 
1,500 00 
3,000 00 

10,000 00 
3,000 00 
7,500 00 
2,000 00 



$8,050 00 

. 6,700 00 
7,350 00 

21,000 00 
6,000 00 
6,000 00 
5,250 00 

17,250 00 
1,280 00 
4,030 00 
5,400 00 

12,500 00 
3,658 00 
1,200 00 
4,130 00 
5,655 00 

16,520 00 
6,400 00 
1,740 00 
1,830 00 
3,270 00 

14,300 00 
3,600 00 

11,325 00 
2,800 00 



$392,100 00 $448,498 00 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $40,000 00 

Loans on mortgage of real estate (first liens) . 17,000 00 

Stocks, bonds, etc., as per schedule . . 448,498 00 

Loans on collateral security .... 6,000 00 

Cash in the office of the company . . . 1,627 11 

deposited in the Salem National Bank . 9,172 78 

Premiums in course of collection (net) . . 1,255 77 

Interest accrued 4,289 87 

Rents due 37 50 

Gross assets 

Liabilities. 

Unearned premiums on outstanding risks . $134,636 78 

Return premiums on cancelled policies . . 159 74 

Dividends of profits due on terminated policies, 872 72 

Gross liabilities 

Surplus as regards policy-holders .... 
Guarantee capital 



5527,881 03 



135,669 24 

$392,211 79 
100,000 00 



Surplus over guarantee capital 



$292,211 79 



70 



MASS. MUTUAL FIRE INS. COS. [Dec, 31, 



Income. 
Gross cash premiums received during the year, $80,944 92 
Deduct return premiums . . ■ . 3,348 22 

Net cash premiums received .... 

Received for interest on mortgages . 

for interest from all other sources . . 

for rents ......... 

Deposit notes received during the year . . $80,642 73 



$77,596 70 

1,325 00 

23,298 14 

2,293 88 



Gross cash income $104,513 72 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions 

for salaries and fees ot officers and employes 

for dividends on guarantee capital . 

for state and local taxes .... 

for profits or surplus on terminated policies 

for incidental expenses .... 

for expenses on real estate . . 

Gross cash expenditures .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1879 . . $19,539,426 82 

written during 1880 . . . 6,447,436 33 

Total 

terminated during 1880 . . $6,405,216 07 

re-insured during 1880 . . . 163,320 00 



$24,737 57 
12,234 73 
8,585 75 
7,000 00 
1,328 81 
27,228 06 
2,915 85 
1,899 37 

$85,930 14 



$25,986,863 15 



6,568,536 07 

Net amount in force Dec. 31, 1880 ..... $19,418,327 08 

Deposit notes received on outstanding risks .... 273,468 32 

Losses incurred during the year . . .... 19,277 02 

Whole amount of net profits reserved for the security of the insured, 

as required by sect. 11, chap. 375, Acts of 1872, $73,052.94. 
Rate of interest realized on investments of guarantee capital, 5jq\ per 

cent. 



MASSACHUSETTS MUTUAL INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Jan. 1, 1873.] 

Guarantee Capital, $200,000. 

Charles B. Cumings, President. John M. Corbett, Secretary. 

Office, 28 State Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

150 shares Tremont National Bank . . . $15,000 00 $18,150 00 
80 " Hamilton National Bank . . . 8,000 00 9,680 00 



1880.] 



WITH GUARANTEE CAPITAL. 



71 



100 shares Merchants' National Bank 
70 " National Union Bank 

160 " New England National Bank . 

100 " Columbian National Bank 
25 " Globe National Bank 

100 " National Webster Bank . 
50 " Boston and Maine Railroad . 

Eastern Railroad bonds .... 

Nashua and Rochester Railroad bonds . 

Michigan Central Railroad bonds . 

Boston and Lowell Railroad bonds . 

Burlington and Missouri River R.R. bonds 



$10,000 00 

7,000 00 

16,000 00 

10,000 00 

2,500 00 

10,000 00 

5,000 00 

16,000 00 

10,000 00 

10,000 00 

10,000 00 

18,400 00 



$14,300 00 
10,360 00 
24,000 00 
14,900 00 

2,725 00 
11,200 00 

7,300 00 
16,720 00 
10,050 00 
11,300 00 
10,500 00 
19,696 00 



$147,900 00 $180,881 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule 
Cash deposited in the New England Trust Co 
Premiums in course of collection (net) . 
Interest due and accrued 

Gross assets 



$7,100 00 

121,500 00 

180,881 00 

11,271 69 

1,127 90 

3,704 42 



Liabilities. 

Unearned premiums on outstanding risks . $72,184 88 

Dividends of profits due on terminated policies, 1,004 73 

Gross liabilities, except guarantee capital, — 

Surplus as regards policy-holders .... 
Guarantee capital . 



$325,585 01 



Surplus over guarantee capital . 

Income. 

Gross cash premiums received during the year, 

Deduct return premiums .... 

Net Gash premiums received . 

Received for interest on mortgages . 

for interest from all other sources 
for rents 



73,189 61 

$252,395 40 
200,000 00 

$52,395 40 



$17,876 57 
1,171 51 



$16,705 06 

9,395 00 

8,508 23 

751 33 



Gross cash income $35,359 62 



Expenditures. 
Paid for losses during the year 

for brokerage and commissions 

for salaries and fees of officers and employes 

for interest on borrowed money 



$7,106 74 

1,490 76 

9,743 73 

251 30 



72 



MASS. MUTUAL FIRE INS. COS. [Dec. 31, 



Paid for dividends on guarantee capital . 

for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures 

Miscellaneous. 
Risks outstanding Dec. 31, 1879 . . $14,801,772 00 
written during 1880 . . . 2,237,121 00 

Total — 

terminated during 1880 . . . . 



$14,000 00 
2,239 08 
2,585 52 
2,0.00 00 
1,013 14 

$40,430 27 



-$17,038,893 00 
. 1,636,596 00 



Net amount in force Dec. 31, 1880 . .... $15,402,29700 

Losses incurred during the year 7,106 74 

Percentage of profits or surplus returned during 1880, 20 per cent. 

Average rate to date, 20 per cent. 

Whole amount of net profits reserved for the security of the insured, as 

required by sect. 11, chap. 375, Acts of 1872, $10,971.81. 
Rate of interest actually realized upon the investments of the guarantee 

capital, 5 t 9 q 3 q per cent. 



1880.] 



WITH GUARANTEE CAPITAL. 



73 



AGGREGATE. 





1300,000 00 


Assets. 




Gross present assets 


$853,466 00 


Liabilities. 




Gross present liabilities 


$208,859 00 


Income. 




Cash received for premiums during the year . 


$94,302 00 


for interest and dividends 


42,526 00 


from all other- sources . 


3,045 00 


Gross cash income 


$139,873 00 


Expenditures. 




Cash paid for losses . . • 


$31,844 00 


for brokerage and commission on premiums . 


13,725 00 


for salaries and fees of officers and employes . 


18,329 00 


for dividends ....... 


21,000 00 


for state and local taxes .... 


3,568 00 


for return of profits or surplus 


29,814 00 


for all other expenditures .... 


8,080 00 


Gross cash expenditures . . 


$126,360 00 


General Items. 




Risks written during the year 


$8,684,557 00 


terminated during the year ..... 


8,205,132 00 


outstanding at end of year ..... 


34,820,624 00 


Losses incurred during the year ..... 


26,384 00 


Net profits reserved 


84,025 00 



10 



MASSACHUSETTS 

MUTUAL MARINE AND FIRE-MARINE 
INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

Dec. 31, 1880. 



76 



MASS. MUTUAL MARINE AND [Dec. SI, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ATLANTIC MUTUAL FIRE AND MARINE INSURANCE COM- 
PANY, PROVINCETOWN. 

[Incorporated April 13, 1854. Commenced business March, 1855.] 
Whole amount of guarantee fund ....... $100,000 00 

Paid up in subscription notes 100,000 00 

Outstanding scrip not ordered to be redeemed ..... 89,104 00 

Joshua Paine, President. Lewis Nickerson, Secretary. 



Detailed Statement of Stocks, 



United States bonds, 1881 

Chicago city bonds, 7s . 

Cincinnati city bonds, 7^s 

Long Island city bonds, 7s 

Dayton city bonds, 7s 

Rockland city bonds, 6s . 

Thomaston town bonds, 6s 

Hyde Park town bonds, 7s 

45 shares Republic National Bank, Boston 

78 

15 

16 

15 

15 

30 



4 Freeman's National Bank, Boston 
' Revere National Bank 
' Hide and Leather Nat'l B'k, Boston 
' Traders' National Bank, Boston 
' State National Bank, Boston . 
' First National Bank, Provincetown 
' Chicago and North- Western R.R. 
16 " Boston and Albany Railroad . 
35 " Burl., Cedar Rapids, and No. R.R 
6 " Chicago, St. P., and Minneap. R.R 
Mich. Air-Line R.R. first mortgage bonds 
Conn. Western R.R. first mortgage bonds 
Chicago, St. P., and Minneap. 1st mort. bonds 
Chi., St. P., and Minneap. land-grant bonds 
Burl., Cedar Rapids, and No. R.R., first mort 
Portland Water Company's bonds . 
New England Mort. Security Co.'s bonds 
Personal loans ..... 
Insurance scrip (own) . . . $240 00 
Office furniture .... 341 65 



Bonds, Etc. 

Par value. 

$6,000 00 

10,000 00 

5,000 00 

2,000 00 

2,000 00 

3,000 00 

2,000 00 

2,000 00 

4,500 00 

7,800 00 

1,500 00 

1,600 00 

1,500 00 

1,500 00 

3,000 00 

8,000 00 

1,600 00 

3,500 00 

600 00 

7,000 00 

5,000 00 

3,000 00 

3,000 00 

4,000 00 

2,000 00 

2,000 00 

2,407 68 



Market value. 

$6,090 00 
11,500 00 
6,300 00 
2,000 00 
2,120 00 
3,000 00 
2,000 00 
2,100 00 
6,367 50 
9,516 00 
1,800 00 
1,872 00 
1,560 00 
1,815 00 
4,200 00 
11,280 00 

2.624 00 

2.625 00 
288 00 

8,050 00 
1,500 00 
3,000 00 
3,000 00 
4,000 00 
2,100 00 
2,100 00 
2,407 68 



$95,507 68 $105,215 18 



1880.] FIRE-MARINE INSURANCE COS. 



77 



Summary of Assets Dec. 31, 1880. 

Stocks, bonds, etc., "as per schedule . . $105,215 18 

Cash in the office of the company . . . 877 65 

deposited in various banks . . . 9,775 83 

Interest due and accrued . . . . 1,454 81 

Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Unpaid stock or subscription notes on time not 
exceeding 12 months, not yet due 

Gross assets ...... 

Liabilities. 



13,737 22 
23,397 28 

100,000 00 



Losses adjusted, unpaid ..... $265 31 

claimed and reported .... 300 00 

disputed or resisted .... 3,000 00 

Total amount of losses . ... S3, 565 31 

Unearned premiums on outstanding risks . 23,034 71 

Interest due or accrued on scrip . . . 324 93 

Due and accrued for rent, salaries, etc. . . 585 00 

State and local taxes . . . . . 60 04 

Gross liabilities, except capital and scrip, 



Surplus as regards policy-holders . 

Guarantee fund $100,000 00 

Scrip outstanding not ordered to be redeemed, 89,104 00 



Surplus over guarantee fund and scrip 

Income. 

Cash rec'd for marine and inland premiums . $39,306 58 
Deduct re-insurance and return premiums . 2,788 00 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the 

year $34,247 55 

Interest and dividends received from all sources . 

Gross cash income ........ 



Expenditures. 

Net cash paid for marine and inland losses 

Interest paid scrip-holders . 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for rent and incidentals . 



$254,457 97 



27,569 99 



. $226,887 98 
189,104 00 



$37,783 98 



$36,518 58 

5,577 13 
$42,095 71 



$29,883 35 

5,043 42 

1,529 15 

1,150 00 

708 41 

431 40 



Gross cash expenditures 



$38,745 73 



78 



MASS. MUTUAL MARINE AND [Dec. 31, 



Risks and Pkemiums. 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total ' . . . . ' . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$323,638 00 
609,262 00 



$932,900 00 
616,961 00 

$315,939 00 
8,838 00 



Premiums. 

$24,452 94 
33,110 69 

$57,563 63 
34,166 35 

$23,397 28 
362 57 



$307,101 00 $23,034 71 



Miscellaneous. 
Marine and inland losses incurred during the year 



$16,012 26 



BOYLSTON MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. 8, 1873.] 



Whole amount of guarantee fund 

Paid up in cash . . . 

Outstanding scrip not ordered to be redeemed 



$557,200 00 

557,200 00 

78,410 00 



J. W. Balch, President. Washington Glovek, Secretary. 

Office, No. 45 State Street. 



Detailed Statement of Stocks, 



250 shares Merchants' National Bank 

200 

100 

300 

300 

300 

200 

17 
328 
225 
300 

50 



State National Bank 
Merchandise National Bank . 
National Bank of the Republic 
Washington National Bank . 
Columbian National Bank 
Tremont National Bank 
New England National Bank . 
Phila., Wil., and Bait. Railroad 
Fitchburg Railroad 
Boston and Providence Railroad 
Boston and Albany Railroad . 
United States bonds .... 
New England Mortgage Security Co. bonds 
Boston and Providence Railroad bonds . 
Framingham and Lowell Railroad bonds 
67 shares Revere National Bank 
Cedar Rapids and Mo. Railroad bonds . 



Bonds, Etc. 

Par value. 

$25,000 00 

20,000 00 

10,000 00 

30,000 00 

30,000 00 

30,000 00 

20,000 00 

1,700 00 

16,400 00 

22,500 00 

30,000 00 

5,000 00 

50,000 00 

10,000 00 

100,000 00 

25,000 00 

6,700 00 

2,500 00 



Market value. 

$35,750 00 

24,200 00 

11,000 00 

38,400 00 

41,100 00 

44,700 00 

24,200 00 

2,567 00 

23,616 00 

32,400 00 

45,900 00 

8,200 00 

56,000 00 

10,700 00 

125,000 00 

22,500 00 

8,040 00 

3,000 00 



$434,800 00 $557,273 00 



1880.] 



FIRE-MARINE INSURANCE COS. 



79 



Securities held as collateral for cash loans : — 



Cambridge city bonds .... 
Kan. City, St. Joseph, and C. B. R.R. bonds 
100 shares First Nat'l Bank (Concord, N.H.) 
105 

50 

52 

50 
188 

52 
United States bonds 



Roxbury Mill Corporation 
Bloomsburg Iron Company 
Ocean Mills Company . 
Lake Superior Iron Company 
Ocean Mills Company . 
Boston and Maine Railroad 



Market value. Loaned thereon. 

$550 00 $400 00 



31,400 00 
15,000 00 
5,000 00 1 



8,000 00 



7,800 00 
5,000 00 j 
28,200 00 
7,600 00 > 
2,250 00 1 



25,000 00 
10,000 00 



)■ 18,000 00 



20,000 00 
8,000 00 



$110,800 00 $81,400 00 

Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $20,000 00 

Loans on mortgage of real estate (first liens*), 171,000 00 

Interest due or accrued thereon . . . 4,078 62 

Stocks, bonds, etc., as per schedule . . 557,273 00 

Loans on collateral security as per schedule . 81,400 00 

Cash in the office of the company . . . 4,298 74 

deposited in Washington Nat'l Bank . 61,096 62 

Interest due and accrued .... 1,900 00 

Premiums in course of collection (gross) . 11,865 76 

Notes taken for marine and inland risks . . 57,344 77 

Gross assets . ... . . . —- $970,257 51 

Liabilities. 

Losses claimed and reported .... $26,000 00 

disputed or resisted .... 13,000 00 

Unearned premiums on outstanding risks . 145,364 14 

Unused balances of premium notes . . 1,513 40 

Interest due or accrued on scrip . . . 180 00 

Due and accrued for rent, salaries, etc. . . 500 00 

Commissions and brokerage .... 1,200 00 
Gross liabilities, except guarantee fund 

and scrip 187,757 54 



Surplus as regards policy-holders .... $782,499 97 

Guarantee fund $557,200 00 

Scrip outstanding not ordered to be redeemed, 78,410 00 

635,610 00 



Surplus over guarantee fund and scrip 



. $146,889 97 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$157,000 00 
145,800 00 
129,500 00 



80 



MASS. MUTUAL MARINE AND [Dee. 31, 



Income. 
Cash received for fire premiums ■ . 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Cash received for marine and inl'd premiums 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums, 
Unpaid premium notes received during the 
year ........ 

Interest and dividends received from all sources 
Income from rents ...... 

Miscellaneous 



$131,457 04 

20,588 25 

$207,366 48 
30,060 97 



$42,798 73 



Gross cash income 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 
Interest paid scrip-holders 
Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for rent .... 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks' expired and terminated 



. $60,215 26 
1,602 22 

$114,209 10 
3,461 98 



In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$110,868 79 



177,305 51 



47,927 68 

1,070 46 

247 74 

$337,420 18 



$58,613 04 



110,747 12 

77,934 00 
4,675 80 

27,660 12 

23,750 00 
8,446 88 
4,250 00 

11,688 62 

$327,765 58 

Premiums. 

$172,346 70 
134,739 82 

$307,086 52 
115,190 38 



,255,521 00 

17,772,984 00 

$34,028,505 00 
15,423,160 00 

$18,605,345 00 
694,650 00 

$17,910,695 00 

$11,759,251 00 
13,588,615 00 

$25,347,866 00 
19,897,813 00 

$5,450,053 00 
125,452 00 

$5,324,601 00 $54,826 86 



$191,896 14 
6,080 56 

$185,815 58 

$63,372 28 
201,084 13 

$264,456 41 
207,319 78 

$57,-36 63 
2,309 77 



1880.] 



FIRE-MARINE INSURANCE COS. 



81 



Miscellaneous. 

Premiums received from organization of company- 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year . 

Fire losses incurred during the year . ■ 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$2,718,229 07 

1,482,715 69 

564,208 00 

77,934 00 

56,389 04 

109,347 12 

28,000 00 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business Oct. 1, 1853.] 

William Perkins, President. George L. Deblois, Secretary. 

Office, No. 52 State Street. 



Detailed Statement of Stocks, 



United States bonds 

Brookline water bonds, 7s 

Beverly town loan .... 

100 shares Atlas National Bank 

100 " Old Boston National Bank 

100 " Continental National Bank 

300 " Columbian National Bank 

150 " Commerce National Bank 

300 " Hide and Leather National Bank 

16 " Massachusetts National Bank 
120 " North National Bank . 
100 " New England National Bank . 
300 " Republic National Bank 
200 " Second National Bank . 

30 " State National Bank 
350 " Tremont National Bank 
100 " Webster National Bank . 
300 " Washington National Bank . 
200 " " Boston and Albany Railroad . 
120 " Boston and Providence Railroad 

40 " Boston and Lowell Railroad . 
Eastern Railroad mortgage bonds . 
Houston and Texas Central Railroad bond 
Insurance scrip of other companies . 
95 shares Relief Steamboat Company 



Bonds, Etc. 

Par value. - 

$50,000 00 

10,000 00 

20,000 00 

10,000 00 

5,000 00 

10,000 00 

30,000 00 

15,000 00 

30,000 00 

4,000 00 

12,000 00 

10,000 00 

30,000 00 

20,000 00 

3,000 00 

35,000 00 

10,000 00 

30,000 00 

20,000 00 

12,000 00 

20.000 00 

10,000 00 

2,500 00 

1,144 00 

2,500 00 



Market value. 

-152,700 00 
13,300 00 
21,000 00 



12 

6 

11 

44 

18 

35 

4 

15 

15 

38 

30 

3 

42 

11 

41 

32 

18 

22 

10 
o 

1 

1 



$402,144 00 $506 



Securities held as collateral for cash loans :- 

Boston and Lowell Railroad note . 
148 shares Chi., Burlington, and Quincy R. R. 
11 



Market value. 

$25,200 00 
26,640 00 



Loane 

$25 
15 



700 00 
100 00 
500 00 
700 00 
300 00 
100 00 
760 00 
600 00 
100 00 
400 00 
400 00 
630 00 
350 00 
200 00 
100 00 
800 00 
360 00 
200 00 
400 00 
000 00 
000 00 
500 00 



200 00 



1 thereon. 
000 00 
000 00 



82 



MASS. MUTUAL MARINE AND [Dee. 31, 



Corporation notes (indorsed) . 
Individual notes (indorsed) 
Kansas City, St. Jo., and C. B. R.R. bonds 
China Mutual Insurance scrip . 
Burlington and Missouri River R.R. bonds 



Market value. Loaned thereon. 



$50,000 00 

67,021 32 

14,520 00 

6,070 00 

2,016 00 



$50,000 00 

61,522 36 

12,0.00 00 

5,000 00 

1,200 00 



Summary of Assets Dec. 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash deposited in Columbian National Bank 
Interest due and accrued 
Premiums in course of collection (gross) . 
Notes taken for marine and inland risks . 
Gross assets ..... 

Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Interest due or accrued on scrip 
Due and accrued for rent, etc. 
Commissions and brokerage . 

Gross liabilities, except scrip . 

Surplus as regards policy-holders 
Scrip outstanding not ordered to be redeemed 

Surplus over scrip .... 

Income. 

Cash rec'd for marine and inland premiums . 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums, 
Unpaid premium notes received during the 

year . 

Interest and dividends received from all sources 
Income from re-insurance scrip - . 

Gross cash income . • » • 

Expenditures. 

Cash paid for marine and inland losses . 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash paid for redemption of scrip . 

Interest paid scrip-holders 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$191,467 32 $169,722 36 

31, 1880. 

$506,200 00 

169,722 36 

35,428 33 

3,211 50 

90,166 02 

178,325 43 



$65,000 00 

165,353 99 

291 00 

531 25 

500 00 



$983,053 64 



$360,589 12 
52,464 15 



$284,491 45 



5,404 16 
17,942 67 



231,676 24 

$751,377 40 
568,100 00 

$183,277 40 



$308,124 97 



32,969 82 
, 620 00 

$341,714 79 



$217,461 49 

217,770 00 

41,907 00 

8,584 26 

19,620 00 

4,027 29 

10,746 31 

$520,116 35 



1880.] FIRE-MARINE INSURANCE COS. 



83 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1879 
written during 18S0 . 

Total . . . . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



88,183,042 00 
17,992,783 00 

^26,175,825 00 

17,687,202 00 

$8,488,623 00 
692,100 00 



$7,796,523 00 

Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company, 
Marine and inland losses incurred during the year 



Premiums. 

$177,438 02 
385,998 76 

$563,436. 78 
386,098 88 

$177,337 90 
11,983 91 

$165,353 99 



$11,165,000 00 

7,209,000 00 

2,218,800 00 

235,404 16 



INDrA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 22, 1867.] 

Whole amount of guarantee fund $109,600 

Paid up in subscription notes. . . .... . . . I09,(i00 

Outstanding scrip not ordered to he redeemed 143,887 

John H. Dank, President. William L. Caverly, Secretary. 

Office, No. 49 State Street. 



Detailed Statement of Stocks, 



Framingham and Lowell Railroad bonds 
Old Colony Railroad bonds 
Boston-and Albany Railroad bonds. 
Boston and Maine Railroad bonds . 
Fitchburg Railroad bonds 
Boston and Lowell Railroad bonds . 
New York and New England R.R. bonds 
Nashua and Rochester Railroad bonds . 
New England Mortgage Security Co.'s bonds 
Highland Street Railway bonds 
Metropolitan Railroad bonds ,. 
Cleveland city bonds .... 
100 shares Boston and Maine Railroad . 
150 « 

75 ' 

60 ' 

15 ' 



' Old Colony Railroad 

' Boston and Providence Railroad 

' National Webster Bank . 

' Hamilton National Bank 
United States bonds .... 
China Mutual Insurance Company scrip . 
Delaware Mutual Safety Insurance Co. scrip 



Bonds, Etc. 

Par value. 

$10,000 00 

10,000 00 

2,000 00 

5,000 00 

23,000 00 

5,000 00 

5,000 00 

18,000 00 

6,000 00 

2,000 00 

7,000 00 

2,000 00 

10,000 00 

15,000 00 

7,500 00 

6,000 00 

1,500 00 

5,000 00 

3,450 00 

95 00 



Market value. 

$9,100 00 

12,500 00 

2,510 00 

6,250 00 

27,320 00 

5,500 00 

5,700 00 

16,560 00 

6,420 00 

2,140 00 

7,570 00 

2,340 00 

14,000 00 

19,050 00 

11,475 00 

6,720 00 

1,830 00 

5,600 00 

3,277 00 

86 00 



$143,545 00 $166,548 00 



84 



MASS. MUTUAL MARINE AND [Dec. 31, 



Summary of Assets Dec. 31, 1880. 

Stocks, bonds, etc., as per schedule . . $166,548 00 

Cash in the office of the company . . . 8,950 88 

deposited in Market National Bank . 10,846 13 

Interest due and accrued .... 1,472 36 

Notes taken for marine and inland risks . . . 85,300 87 
Subscription notes on time not exceeding 12 

months not yet due 109,600 00 

Gross assets . . . . . . $382,718 24 

Liabilities. 

Losses adjusted unpaid ..... $24,000 00 

claimed and reported . . . . 7,000 00 

Unearned premiums on outstanding risks . 76,448 43 

Interest due or accrued on scrip . . . 130 98 

Due and accrued for rent, salaries, etc. . . 625 00 
Gross liabilities, except guarantee fund 

and scrip 108,204 41 

' Surplus as regards policy-holders .... $274,513 83 

Guarantee fund $109,600 00 

Scrip outstanding not ordered to be redeemed, 143,887 00 

253,487 00 



Surplus over guarantee fund and scrip 

Income. 

Cash rec'd for marine and inland premiums . $100,704 75 
Deduct re-insurance and return premiums . 2,537 94 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the 

year $73,570 53 

Interest and dividends received from all sources . . . 

Gross cash income . . . . .... 



$21,026 83 



,166 81 



9,328 54 
$107,495 35 



Expenditures. 

Cash paid for marine and inland losses . 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Interest paid scrip-holders 

Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for rent and incidentals . 

Gross cash expenditures . 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1879 
Deduct risks expired and terminated 



$83,295 19 
2,732 53 





$80,562 66 




8,584 62 




3,187 06 




10,500 00 




920 36 




5,117 99 




$108,872 69 




Premiums. 


$19,350 00 


$260 13 


19,350 00 


260 13 



1880.] FIRE-MARINE INSURANCE COS. 



85 






Marine risks outstanding Dec 31, 1879 
written during 1880 . 

Total . . . ... 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$1,775,498 00 
2,832,805 00 



$4,608,303 00 
. 2,915,025 00 

$1,693,278 00 
43,350 00 



Premiums. 

$73,525 88 
106,225 49 

$179,751 37 
101,625 49 

$78,125 88 
1,677 45 



.,649,928 00 $76,448 43 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Marine and inland losses incurred during the year 



52,001,596 22 

1,199,379 32 

83,030 84 



86 



MASS. M. M. AND F.-M. INS. COS. [Dec. 31, '80. 



AGGREGATE. 



Whole amount of guarantee fund .... 


$766,800 00 


in cash ....... 


557,200 00 


in subscription notes .... 


209,600 00 


of outstanding scrip not cancelled . 


879,501 00 


Assets. 




Gross present assets . . . . . 


$2,590,488 00 


Liabilities. 




Gross present liabilities . . . 


$555,208 00 


Income. 




Cash received during the year for fire premiums . 


$110,869 00 


during the year for marine premiums 


620,117 00 


for interest and dividends 


95,803 00 


from all other sources .... 


1,937 00 


Gross cash income ....... 


$828,726 00 


Expenditures. 




Cash paid during the year for fire losses .... 


$58,613 00 


during the year for marine losses . 


438,654 00 


for brokerage and commissions on premiums, 


40,960 00 


for salaries of officers and employes 


55,020 00 


for interest and dividends to subscribers and 




members ....... 


77,934 00 


for state and local taxes .... 


14,102 00 


for redemption of scrip ..... 


217,771 00 


for interest p'd to scrip-holders during the year, 


60,212 00 


for incidental expenses ..... 


32,235 00 


Gross cash expenditures ...... 


$995,501 00 


General Items. 




Fiie risks written during the year 


$17,772,984 00 


Premiums charged or receivable thereon 






134,740 00 


Marine risks written during the year 






35,023,465 00 


Premiums charged or receivable thereon 






726,419 00 


Fire risks terminated during the year . 






15,423,160 00 


Marine risks terminated during the year 






41,117,001 00 


Fire risks outstanding at end of year 






17,910,695 00 


Marine risks outstanding at end of year 






15,078,153 00 


Fire losses incurred during the year 






56,389 00 


Marine losses incurred during the year . 






443,794 00 


Scrip dividends declared during the year 






84,460 00 



MASSACHUSETTS 

JOINT-STOCK FIRE, MARINE, AND FIRE-MARINE 
INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

Dec. 31, 1880. 



88 MASS. JOINT-STOCK FIRE, MARINE, [Dec.31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced business June, 1818.] 

Paid-up Capital, $300,000. 

Francis Peabody, President. J. W. Field, Secretary. 

Office, No. 54 State Street. 
Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

444 shares Old Boston National Bank . . $22,200 00 $27,528 00 

200 " Columbian National Bank . . 20,000 00 29,800 00 

45 " National Eagle Bank . . . 4,500 00 5,287 50 

170 " Globe National Bank . . . 17,000 00 18,700 00 

142 " Hamilton National Bank . . 14,200 00 17,182 00 

62 " New England National Bank . 6,200 00 9,362 00 

100 " Suffolk National Bank . . . 10,000 00 12,400 00 

152 " State National Bank . . . 15,200 00 18,392 00 

280 " National Union Bank . . ' . 28,000 00 41,440 00 

406 " Boston and Albany Railroad . . 40,600 00 66,584 00 

11 " Boston and Lowell Railroad . . 5,500 00 6,132 50 

8 " Merrimack Manufacturing Co. . 8,000 00 12,960 00 

United States bonds, 1881, 5s 80,000 00 81,300 00 

Boston and Albany Railroad bonds, 7s . . 35,000 00 43,750 00 



8306,400 00 $390,818 00 



Securities held as collateral for cash loans: 



Market value. Loaned thereon. 

Kansas City, St. Jo., and C. B. R.R. bonds . $6,050 00 $4,100 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate . 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in Old Boston National Bank 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 



31, 1880. 

$64,000 00 

390,818 00 

4,100 00 

1,043 29 

37,664 89 

1,598 90 

4,122 27 

46,626 54 



1880.] AND FIRE-MARINE INSURANCE COS. 



89 



Rents due and accrued ..... $287 50 

Due on sale of steamer " Chas. Pearson " . 1,500 00 
Premiums more than 3 months due, $695 58 

Gross assets ...... ■ 



$551,761 39 



Liabilities. 

Losses claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 
Re-insurance due ..... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 



$5,636 22 
7,500 00 



$13,136 22 
308 46 

$12,827 76 
82,334 66 
115 00 
147 07 
469 05 
723 54 



- 96,617 08 

. $455,144 31 

. 300,000 00 

. $155,144 31 



Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Cash received for marine and inland premiums, 
Deduct re-insurance and return premiums 
Net cash received for marine and inl'd prem's, 
Unpaid premium notes received during the 
year . . . . . . . 

Interest and dividends received from all sources 
Income from rents ...... 



2,615 43 
3,716 02 



,938 00 
12,621 94 



$34,867 82 



$28,899 41 



81,316 06 



20,044 71 
1,337 50 

Gross cash income $131,597 68 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire, losses . 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash dividends paid .... 

paid for commissions and brokerage 

for salaries of officers and employe's 
for state and local taxes . 
12 



$11,298 76 
354 32 

$68,171 03 
8,189 71 



$10,944 44 



59,981 32 
29,975 00 

7,456 93 
15,231 25 

4,254 57 



90 MASS. JOINT-STOCK FIRE, MARINE, [Dec31, 



Cash paid for interest on settlements 

for incidentals .... 

Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total . . . • . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$7,005,446 00 

6,309,425 00 

$13,314,871 00 

. 5,585,486 00 

$7,729,385 00 

. 376,031 00 



$738 73 
4,455 19 

$133,037 43 



Premiums. 

$60,305 11 
32,046 26 

$92,351 37 
29,789 07 

$62,562 30 
3,387 23 



$7,353,354 00 $59,175 07 



$3,645,917 00 
. 5,194,358 00 

$8,840,275 00 
. 4,967,176 00 

$3,873,099 00 
21,700 00 



$45,273 89 
73,536 75 

$118,810 64 
58,815 89 

$59,994 75 
1,561 25 



(,351,399 00 $58,433 50 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year .... 

Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



£7,547,400 00 
5,608,000 00 
2,535,000 00 
30,000 00 
12,362 29 
59,967 07 
12,900 00 



BEVERLY INSURANCE COMPANY, BEVERLY. 

[Incorporated March, 1852. Commenced business January, 1853.] 

Paid-up Capital, $50,000. 

Charles A. Fuller, President. Elisha Whitney, Secretary. 



126 sha 
80 
67 
50 
5 
17 
30 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

es Beverly National Bank . . . $12,600 00 $15,120 00 

Naumkeag National Bank, Salem . 8,000 00 11,600 00 

Merchants' National Bank, Salem . 3,250 00 4,690 00 

Mercantile National Bank, Salem . 5,000 00 6,000 00 

First National Bank, Salem . . 500 00 600 00 

Grand National Bank, Marblehead, 1,700 00 2,040 00 

Revere National Bank, Boston . 3,000 00 3,600 00 



1880.] AND FIRE-MARINE INSURANCE COS. 91 



20 shares Traders' National Bank, Boston 
20 " Hide and Leather Nat'l B'k, Boston, 
5 " Eagle National Bank, Boston . 
2 " Merchants' Nat'l Bank, Boston 
1 share Great Falls and Conway Railroad 



Par value. 

$2,000 00 

2,000 00 

500 00 

200 00 

100 00 



Market value. 

$2,060 00 
2,340 00 

585 00 

280 00 

20 00 



$38,850 00 $4S,935 00 



Summary of Assets Dec. 31, 1SS0 



Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in Maverick National Bank 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks . 
Gross assets ..... 



$48,935 00 

94 60 

15,389 21 

600 00 

1,832 97 

6,9S7 25 



$73,839 03 



Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital . 



$5,340 00 
16.331 83 



21,671 83 

152,167 20 

50,000 00 

$2,107 20 



Income. 

Cash ree'd for marine and inland premiums . $31,708 86 

Deduct re-insurance and return premiums . 614 71 . 

Net cash ree'd for marine and inl'd premiums, $31,094 15 

Unpaid premium notes received during the 

year $6,987 25 

Interest and dividends received from all sources . . . 2,694 08 



Gross cash income . 



$33,7SS 23 



Expenditures. 

Cash paid for marine and inland losses . 
for commissions and brokerage 
for salaries of officers and employes 
for state and local taxes . 
for incidentals . 



$11,S14 71 

2,689 10 

2,692 61 

97 39 

1,389 <:7 



Gross cash expenditures 



18,683 51 



92 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec 31, 1879 . . $6,500 00 $671 30 



written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



. 2,721,528 00 39,997 56 



$2,728,028 00 $40,668 86 
. 2,355,623 00 24,245 03 



. $372,405 00 $16,423 83 
4,000 00 92 00 



$368,405 00 $16,331 83 



Miscellaneous. 

Premiums received from organization of company . . . $328,805 83 

Losses paid from organization of company . . . . 300,923 88 

Cash dividends declared from organization of company . 55,750 00 

Marine and inland losses incurred during the year . . 17,154 74 

Company's stock owned by directors . . . . . 8,500 00 



BOSTON MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874.] 

Paid-up Capital, $500,000.* 

R. B. Fuller, President. T. H. Lord, Secretary. 

Office, No. 17 State Street. 

Detailed Statement of 

United States bonds 

Boston city bonds .... 

Atchison, Topeka, and Santa Fe R.R. 

New Mexico and South'n Pacific R.R. 

Cambridge city bonds 

Boston and Albany Railroad bonds . 

Bangor city bonds .... 

Merchandise National Bank stock . 

Atchison, Topeka, and Santa Fe R.R. 



Stocks, Bonds, Etc 






Par value. 


Market value. 


. 


$200,000 00 


$224,375 00 


. 


75,000 00 


90,000 00 


stock . 


50,000 00 


75,000 00 


bonds 


30,000 00 


34,950 00 


. 


27,000 00 


29,025 00 


. 


20,000 00 


25,000 00 


. 


10,000 00 


10,250 00 


. 


10,000 00 


11,100 00 


bonds 


5,000 00 


5,225 00 



Securities held as collateral for cash loans : 

819 shares Atch., Top., and Santa Fe R.R. 
200 " St. Louis and San Francisco R.R. 
101 " Casco National Bank, Portland 
Atchison, Topeka, and Santa Fe R.R. bonds 
Pueblo and Arkansas Valley R.R. bonds 
New Mexico and South'n Pacific R.R. bonds 



$427,000 00 $504,925 00 



Market value. Loaned thereon. 

$122,850 00 $78,000 00 



20,000 00 

15,150 00 

5,225 00 

1,180 00 

5,825 00 



10,000 00 
10,000 00 

5,400 30 
5,000 00 



* Since increased to $1,000,000. 



1880.] AND FIRE-MARINE INSURANCE COS. 



98 



173 shares Iowa Central Railroad . 
Cambridge city bonds 
50 shares Sanford Steamship Company- 
United States bond . . . 



Market value. Loaned thereon. 

$9,000 00 $5,000 00 

2,150 00 1,500 00 

3,000 00 1,500 00 

1,016 25 1,000 00 



$185,396 25 $117,400 30 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $79,806 05 

Stocks, bonds, etc., as per schedule . . 504,925 00 

Loans on collateral security as per schedule . 117,400 30 

Cash deposited in various banks . . . 295,146 21 

Interest due and accrued .... 6,595 31 

Premiums in course of collection (gross) . 91,838 70 

Notes taken for marine and inland risks . . 388,162 01 

Gross assets ...... — ; <f 

Liabilities. 

Losses claimed and reported . . . . $142,452 47 

Unearned premiums on outstanding risks . 441,114 76 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital . 

Income. 

Cash rec'd for marine and inland premiums . $924,545 02 

Deduct re-insurance and return premiums . 198,226 22 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the 

year $385,163 69 

Interest and dividends received from all sources . 

Gross cash income ........ 



Expenditures. 

Cash paid for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$540,809 67 
104,495 73 



[,483,873 58 



583,567 23 

$900,306 35 
500,000 00 

$400,306 35 



$726,318 80 

38,478 36 
$764,797 16 





. $436,313 


94 




50,000 


00 




41,424 


28 




42,000 


01 




13,384 


80 




33,582 


03 




$616,705 


00 


$145,000 00 




75, 


500 00 





* Total value of property mortgaged 
Amount of insurance held as collateral . 



94 MASS. JOIXT-STOCK FIRE. MARINE. [Dec. 31, 

Risks axd Premiums. 



Marine risks outstanding Dec. 31, 1879 
written during 1SS0 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



rremiruns. 

87.990,454 00 $414,751 84 

61.310.501 00 1.008,944 63 



869,300.955 00 81.423.696 47 
60.6S6.537 00 970. 0S9 76 



88.014.418 00 8453,606 71 
477.755 00 12.491 95 



85. 130.663 00 8441.114 76 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Marine and inland losses incurred during the year. 
Company's stock owned by directors . 



85.472,350 S7 

3.036,901 73 

255.000 00 

50,000 00 

576.899 20 

105.200 00 



COMMONWEALTH INSURANCE COMPANY. BOSTON. 

[Incorporated May 6, 1S75. Commenced business May 6, 1S75. j 

Paid-up Capital, 8500,000. 

Samuel Appletox, President. James Bruertox, Secretary. 

Ojjice. Xo. SO Congress Street. 



Detailed Statemext of Stocks, 



United States bonds .... 
Fitchburg Railroad bonds 
Cape Cocl Railroad bonds . * . 
Vermont and Massachusetts Railroad bonds 

67 shares Vermont and Massachusetts R.R. 
10S 

10 

20 

27 

38 

11 

11 
4 

45 

42 

42 

50 

30 



Atlas National Bank 
Atlantic National Bank . 
City National Bank 
Columbian National Bank 
Eliot National Bank 
Everett National Bank . 
Freeman's National Bank 
Globe National Bank 
Hamilton National Bank 
Howard National Bank . 
Hide and Leather National Bank 
Manufacturers' National Bank 
Market National Bank . 



Boxds, Etc. 

Tar value. 

$115,000 00 i 

25.000 00 

30.000 00 

12.100 00 

6.700 00 

10.S0O 00 

1,000 00 

2.000 00 

2,700 00 

3.800 00 

1,100 00 

1.100 00 

400 00 

4.500 00 

4,200 00 

4.200 00 

5.000 00 

3,000 00 



Market value. 

129.125 I 

2S.500 00 

30.600 00 

12.584 00 

8,408 50 

13.729 50 

1.530 00 

2,402 50 

4.023 00 

4.298 75 

1.237 50 

1.343 37 

440 00 

5,490 00 

5.040 00 

4.919 25 

5.36S 75 

3.262 50 



1880.] AND FIRE-MARINE INSURANCE COS. 



95 



100 shares Merchandise National Bank . 

5 " Massachusetts National Bank 

62 " Mount Vernon National Bank 

7 " National Bank of North America 

41 " National Bank of the Republic 

4 " North National Ba/ik 

34 " New England National Bank . 

80 " Revere National Bank . 

70 " State National Bank 

7 " Shawmut National Bank 

25 " Shoe and Leather National Bank 

54 " Traders' National Bank . 

45 " Tremont National Bank 

100 " Webster National Bank . 



Par value. 

$10,000 00 
1,250 00 
6,200 00 

700 00 
4,100 00 

400 00 
3,400 00 
8,000 00 
7,000 00 

700 00 

2,500 00 

5,400 00 

4,500 00 

10,000 00 



Market value. 

SI 1,025 00 

1,487 50 

6,944 00 

792 50 

5,248 00 

522 00 

5,142 50 

9,620 00 

8,487 50 

843 50 

2,893 75 

5,616 00 

5,445 00 

11,212 50 



1296,750 00 $337,582 37 



Securities held as collateral for cash loans : — 



Chicago city bonds ..... 
Pueblo and Arkansas Valley Railroad bonds 
Atchison, Topeka, and Santa Fe R.R. bonds 
Cambridge city bonds .... 
13 shares Chi., Burlington, and Quincy R.R. 
10 " Boston and Albany Railroad . 
10 " South Boston Gas-Light Company 
Union Pacific S. F. bonds . 
Boston city bonds . . 
Chicago and Eastern Illinois Railroad bonds 
450 shares National Tube Works . 

50 
3 

68 
150 

78 

7 

100 

121 



Manufacturers' National Bank 
Hamilton Woolen Company . 
Lyman Mills .... 
Washington Mills Company . 
Hill Manufacturing Company 
Atlas National Bank 
Atlantic Cotton Mill 
Washington Mills Company . 
1 share Otis Manufacturing Company . 



Market value. 

$3,735 00 
3,540 00 
8,470 00 
1,250 00 
2,340 00 
1,640 00 
1,100 00 
8,365 00 
5,200 00 
2,000 00 

80,000 00 

5,308 75 

543 00 

7,820 00 

13,500 00 

7,644 00 

889 87 

14,65C 00 

10,890 00 
1,302 50 



Loaned thereon. 

$3,000 00 
10,000 00 

1,000 00 

1 

[ 10,000 00 



J 



5,000 00 

40,000 00 
3,500 00 



" )- 46,500 00 



$180,248 12 $119,000 00 



Summary of Assets Dice. 31, 1880. 
Cash value of unencumbered real estate . . $10,500 00 
Loans on mortgage of real estate (first liens *), 189,650 00 
Interest due or accrued thereon . . . 1,712 60 

Stocks, bonds, etc., as per schedule . . 337,582 37 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of Insurance held as collateral 



$216,800 00 
126,000 no 
115,550 00 



96 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in Merchandise Nat'l Bank 
Interest due and accrued 
Premiums in course of collection (gross) . 
Rents due and accrued .... 
Gross assets 

Liabilities. 
Losses adjusted, unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents ..... 



$119,000 00 

557 64 

15,246 76 

3,304 13 

42,897 29 

66 67 



$15,616 91 

13,472 00 

697 84 

159,817 37 

6,546 29 



$720,517 46 



Gross cash income .... 

Expenditures 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for rent ...... 

for incidentals 

Gross cash expenditures .... 

Risks and Premiums. 



196,150 41 

$524,367 05 
500,000 00 

$24,367 05 



$300,663 48 
34,542 23 



sources . 



266,121 25 

12,301 40 

21,195 28 

142 23 



$173,195 18 
4,100 95 



$299,760 16 



$169,094 23 
30,000 00 
47,609 20 
18,084 00 
10,944 89 
4,000 00 
14,956 35 

$294,68S 67 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$23,603,824 00 $261,491 70 
31,429,720 00 300,663 48 



$55,033,544 00 $562,155 18 
26,114,730 00 233,779 05 



$28,918,814 00 $328,376 13 
728,071 00 8,331 47 



$28,190,743 00 $320,044 66 



1880.] AND FIRE-MARINE INSURANCE COS. 97 

Miscellaneous. 
Premiums received from organization of company . . $1,215,150 00 

Losses paid from organization of company . . . . 515,106 03 

Cash dividends declared from organization of company . 85,000 00 

Dividends declared during the year (6 per cent) . . . 30,000 00 

Fire losses incurred during the year ..... 164,317 25 

Company's stock owned by directors ••••... 104,800 00 



DWELLING-HOUSE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 30, 1872. Commenced business Jan. 9, 1873.] 

Paid-up Capital, $300,000. 

Arthur Wm. Hobart, President. Henry F. Perkins, Secretary,, 

Office, No. 29 State Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

100 shares Second National Bank . . . $10,000 00 $15,200 00 

100 " Merchants' National Bank . . 10,000 00 14,300 00 

100 " Republic National Bank . . 10,000 00 12,800 00 

100 « State National Bank . . . 10,000 00 12,400 00 

100 " Suffolk National Bank . . . 10,000 00 12,350 00 

100 " Atlas National Bank . . . 10,000 00 12,712 50 

69 " Hide and Leather National Bank . 6,900 00 8,081 62 

100 " Howard National Bank . . . 10,000 00 12,000 00 

50 " New England National Bank . 5,000 00 7,550 00 

50 " City National Bank . . . 5,000 00 6,006 25 

50 " Redemption National Bank . . 5,000 00 7,062 50 

44 " Union National Bank . . . 4,400 00 6,528 50 

30 " Eagle National Bank . . . 3,000 00 3,532 50 

7 " Tremont National Bank . . 700 00 847 00 

Boston and Albany Railroad bonds . . 10,000 00 12,587 50 

Boston and Providence Railroad bonds . . 10,000 00 12,500 00 

Old Colony Railroad bonds .... 20,000 00 23,950 00 

Boston and Maine Railroad bonds . . . 10,000 00 12,500 00 

Boston and Fitchburg Railroad bonds . . 8,000 00 10,000 00 

Boston and Lowell Railroad bonds . . . 10,000 00 11,200 00 

Eastern Railroad bonds ..... 5,000 00 5,237 50 

Vermont and Massachusetts Railroad bonds . 5,000 00 6,275 00 

50 shares Vermont and Massachusetts R.R. . 5,000 00 6,275 00 

Revere town bonds 12,000 00 13,440 00 

$195,000 00 $245,335 87 
Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*), $111,950 00 
Interest due or accrued thereon . . . 8,221 09 



* Value of landH mortgaged 
Value of buildingH thereon 
Amount of inuurance held at) collateral 

13 



$107,700 00 
118,000 00 
100,050 00 



98 MASS. JOINT-STOCK FIRE, MARINE, [Dee. 31, 



Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) . 
Gross assets . 

Liabilities. 

Losses adjusted, unpaid .-■•-■. 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid . 
Gross liabilities except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from commissions 



. $245,335 87 




4,907 43 




7,160 84 




1,209 95 




355 20 







$379,140 38 


$1,060 30 




. 60,298 39 




171 00 




520 00 




— 


62,049 69 


•'"'••'• 


$317,090 69 


. 


300,000 00 


. 


$17,090 69 


. $31,799 66 




2,933 72 




_ — _ — ___ 


$28,865 94 


.'■■'• . . 


5,362 36 


r sources . 


* 13,834 03 


. 


483 51 



Gross cash income 



Expenditures. 



Cash paid for fire losses ..... 
dividends paid 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for rent and incidentals . 

Gross cash expenditures . 

Risks and Premiums. 



,545 84 



$7,722 88 
25,160 00 
4,919 16 
8,000 00 
5,764 33 
4,985 03 

$56,551 40 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 



Premiums. 

$13,129,653 00 $106,453 39 
4,616,183 00 31,229 76 



$17,745,836 00 $137,683 15 
3,074,002 00 25,134 65 



$14,671,834 00 $112,548 50 
34,700 00 186 99 



Net amount in force 



$14,637,134 00 $112,361 51 



1880.] AND FIRE-MARINE INSURANCE COS. 



99 



Miscellaneous. 

Premiums received from organization of company . . $266,610 67 

Losses paid from organization of company .... 47,296 29 

Cash dividends declared from organization of company . 147,000 00 

Dividends declared during the year (8 per cent) . . . 24,000 00. 

Fire losses incurred during the year ..... 8,783 00 

Company's stock owned by directors ■ . . . . . 47,800 00 



ELTOT INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 31, 1872. Commenced business Jan. 4, 1873.] 

Paid-up Capital, $200,000. 

George A. Curtis, President. Greenleaf C. George, Secretary. 

Office, No. 63 State Street. 

Detailed Statement of Stocks, 

Worcester and Nashua Railroad bonds 

Fitchburg Railroad bonds 

Salem city bonds 

Cambridge city bonds 

Northampton town bonds 

Lynn city bonds 

Boston city bonds . 

United States bonds 

Massachusetts states bonds 

150 shares Fitchburg Railroad 

25 " Norwich and Worcester Railroad 

50 " Old Colony Railroad 

50 u Vermont and Massachusetts R.R. 
100 " Shawmut National Bank 

37 " National Revere Bank . 



Securities held as collateral for cash loans : 
20 shares Equitable Trust Company 

Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $81,700 00 

Interest due or accrued thereon . . . 2,951 11 

Stocks, bonds, etc., as per schedule . . 297,103 00 

Loans on collateral security as per schedule . 1,500 00 

Cash in the office of the company . . . 2,808 19 

deposited in National City Bank . . 26,199 14 



ks, Bonds, Etc. 


Par value. 


Market value. 


. $15,000 00 


$15,150 00 


25,000 00 


26,750 00 


4,000 00 


4,060 00 


11,000 00 


11,165 00 


20,000 00 


23,000 00 


4,000 00 


4,060 00 


25,000 00 


30,050 00 


. 100,000 00 


111,718 75 


15,000 00 


16,800 00 


15,000 00 


21,750 00 


2,500 00 


3,500 00 


5,000 00 


6,300 00 


5,000 00 


6,300 00 


10,000 00 


12,050 00 


3,700 00 


4,449 25 


$260,200 00 


$297,103 00 


Market value. 


Loaned thereon. 


$2,000 00 


$1,500 00 



* Value of lands mortgaged 
"Value of buildings thereon 
Amount of insurance held as collateral 



$66,700 00 
63,100 00 
75,500 00 



100 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for fire risks . . , 
Gross assets 



$3,576 24 

17,630 36 

500 00 



$433,968 04 



Liabilities. 
Losses adjusted unpaid .... 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
State and local taxes .... 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



$4,361 00 

69,894 65 

875 00 

300 00 

2,500 00 



Income. 

Cash received for fire premiums . . . $124,551 92 
Deduct re-insurance and return premiums . 15,703 40 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other sources 



77,930 65 



. $356,037 39 
. 200,000 00 



$156,037 39 



,848 52 
4,880 50 
14,617 69 



Gross cash income . . . . ... $128,346 71 



Expenditures. 
Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses ..''■'-."'-. 

Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for rent and incidentals . 



,239 55 
219 41 



Gross cash expenditures 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force • • 



$9,448,366 00 
13,336,713 00 

$22,785,079 00 
10,801,653 00 

$11,983,426 00 
300,959 00 



$60,020 14 

20,000 00 

22,878 91 

14,263 74 

5,117 55 

4,226 62 

$126,506 96 



Premiums. 

$111,811 20 

128,788 26 

$240,599 46 
98,808 39 

$141,791 07 
4,234 44 



$11,682,467 00 $137,556 63 



1880.] AND FIRE-MARINE INSURANCE COS. 101 



Miscellaneous ' 
Premiums received from organization of company 
Losses paid from organization of company . 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . • , • 
Company's stock owned by directors . . . . 



$781,786 33 

291,751 14 

130,000 00 

20,000 00 

52,156 14 

27,000 00 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 31, 1872.J 

Paid-up Capital, $300,000. 

Thomas W. Tucker, President. Henry C. Short, Secretary. 

Office, No. 4*8 Congress Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Boston city bonds . . . . . . $20,000 00 $24,200 00 

Charlestown city bonds . . . ' . . 63,000 00 74,560 00 

Lowell city bonds . 15,000 00 17,400 00 

Chelsea city bonds . . . . . . 4,000 00 4,640 00 

Somerville city bonds 20,000 00 22,000 00 

Fall River city bonds ..... 30,000 00 35,400 00 

Cambridge city bonds . 12,000 00 13,280 00 

Lawrence city bonds . 18,000 00 20,850 00 

Eastern Railroad bonds ..... 22,500 00 22,500 00 

Worcester and Nashua Railroad bonds . . 10,000 00 10,000 00 

Cape Cod Railroad bonds .... 10,000 00 10,200 00 

South Boston Gas-Light Company notes . 10,000 00 10,000 00 

Providence city bonds 10,000 00 10,300 00 

Manchester Mills notes . . . . . 64,000 00 62,829 85 

Assabet Manufacturing Company notes . . 10,000 00 9,972 23 

Continental Mills notes 20,000 00 19,802 78 

Everett Mills notes 55,000 00 54,274 30 

Arlington Mills notes 25,000 00 24,586 81 

Pittsfield Mills note ..... 10,000 00 9,862 50 

United States bonds 90,000 00 95,550 00 



$518,500 00 $552,208 47 



Securities held as collateral for cash loans: 

3 shares Amoskeag Manufacturing Co. . 
25 " South Boston Gas-Light Company 

3 " Laconia Company 
25 " Connecticut and Passumpsic R.R. 
United States bonds 
3 ' 

41 

40 

70 
200 



Laconia Company . 
Old Colony Railroad 
Boston and Maine Railroad 
Phila., Wil., and Baltimore R.R. 

Atlantic Cotton Mills 



Market value. Loaned thereon 

$6,030 00 > ^ 5 

2,800 00 ) 

1,665 00 

2,200 00 

1,522 50 

1,665 00 

5,207 00 

5,840 00 

4,970 00 
30,000 00 



,000 00 



3,000 00 

4,000 00 

8,000 00 
20,000 00 



$61,899 50 $40,000 00 



102 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary- 0f Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $150,600 00 

Interest due or accrued thereon . . . 2,138 00 

Stocks, bonds, etc:, as^per schedule . . 552,208 47 

Loans on collateralsecurity as per schedule . 40,000 00 

Cash in the office of the company . . . 728 95 

deposited in the National City Bank . 1,709 67 

Interest due and accrued . 4,279 17 

Premiums in course of collection (gross) . . 13,341 92 

more than 3 months due . $84 08 

Gross assets . . . . . — - — — 



Liabilities. 

Losses adjusted, unpaid . . . . 

claimed and reported . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital . . 



$3,221 35 

1,600 00 

108,358 64 

180 00 

1,121 00 

2,200 00 



$125,359 59 
11,220 23 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages 

and dividends received from all other sources 

Gross cash income .... 



Expenditures. 
Cash paid for fire losses . . . 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals . 

Gross cash expenditures . 



5,006 18 



116,680 99 

$648,325 19 
300,000 00 

$348,325 19 



$114,139 36 

9,130 04 

29,325 30 



• • • 


$152,594 70 


£75,681 38 




12 00 






$75,669 38 




c 


29,945 00 


... 


20,298 17 


. . 


11,268 33 


. . 


7,636 84 


. 


7,939 54 



. $152,757 26 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$124,300 00 
135,100 00 
152,600 00 



1880.] AND FIRE-MARINE INSURANCE COS. 103 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 . 

Total . . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. >, 

$16,331,141 00 $188,577 54 
13,444,216 00 127,158 12 



$29,775,357 00 $315,735 66 
11,471,244 00 107,652 74 



$18,304,113 00 $208,082 92 
61,820 00 869 67 

$18,242,293 00 $207,213 25 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company . * . 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . . . ■ . 
Company's stock owned by directors . . . 



,142,392 54 

466,942 06 

195,000 00 

30,000 00 

66,869 37 

18,300 00 



FIRST NATIONAL FIRE INSURANCE COMPANY, 
WORCESTER, MASS. 

[Incorporated April, 1868. Commenced business Jan. 1, 1869.] 

Paid-up Capital, $200,000. 

Charles B. Pratt, President. R. J. Tatman, Secretary. 

Office, Worcester Street. 



Detailed Statement of Stocks, 



New London city bonds .... 
Worcester city bonds .... 
Springfield city bonds .... 
Boston, Barre, and Gardner Railroad bonds 
Worcester and Nashua Railroad bonds . 
Nashua and Rochester Railroad bonds . 
Providence and Worcester Railroad stock 
First National Bank stock 



Securities held as collateral for cash loans : — 

25 shares Taylor and Farley Organ Company . 
5 " First Nat'l Bank (Clinton) 



Bonds, Etc. 

Par value. 

$10,000 00 

3,500 00 

6,000 00 

20,500 00 

500 00 

11,000 00 

5,000 00 

10,200 00 



Market value. 

$12,200 00 

4,147 50 

7,500 00 

20,500 00 

512 50 

11,275 00 

7,200 00 

14,892 00 



$66,700 00 $78,227 00 



Market value. Loaned thereon. 

$2,500 00 $1,250 00 
500 00 400 00 



$3,000 00 $1,650 00 



104 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $3,600 00 

Loans on mortgage of real estate (first liens*), 153,050 00 

Interest due or accrued thereon . . . 2,648 41 

Stocks, bonds, etc., as per schedule . «, 78,227 00 

Loans on collateral security as per schedule « 1,650 00 

Cash in the office of the company . . . 2,654 94 

deposited in First National Bank . . 15,403 24 

Interest due and accrued .... 3,555 08 

Premiums in course of collection (gross) . 12,307 32 

Rents due and accrued . 19 44 

Gross assets . 



$273,115 43 



Liabilities. 
Losses adjusted unpaid . 

claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$576 47 

5,485 00 

1,150 00 

49,289 74 

2,461 46 



58,962 67 



£214,152 76 
200,000 00 



Surplus over capital . 



$14,152 76 



Income. 
Cash received for fire premiums . . . $ 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest and dividends received from all sources 
Income from commissions . 

Gross cash income 



12,030 77 
15,930 76 



,100 01 
14,346 50 
1,100 00 

$111,546 51 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and reinsurance 
Net cash paid for fire losses . 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes 
for incidental expenses . 

Gross cash expenditures • 



)1,580 41 
2,833 20 



,747 21 
6,000 00 
19,127 99 
5,700 00 
4,718 36 
8,094 51 



$132,388 07 



* Total value of property mortgaged 
Amount of insurance held ae collateral 



$319,650 00 
89,255 00 



1880.] AND FIRE-MARINE INSURANCE COS. 105 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 


$7,738,476 


00 


$113,202 16 


written during 1880 


9,639,379 


00 


112,030 77 


J. Otai •..■«• 


$17,377,855 


00 


$225,232 93 


Deduct risks expired and terminated 


9,622,384 


00 


120,545 03 


In force at end of year .... 


$7,755,471 


00 


$104,687 90 


Deduct amount re-insured . • 


569,767 00 


6,024 42 


Net amount in force 


$7,185,704 00 


$98,663 48 


Miscellaneous. 






Premiums received from organization of company 


$1,458,916 38 


Losses paid from organization of company 


. 


» 


942,586 00 


Cash dividends declared from organization 


of company 


. 


86,000 00 


Dividends declared during the year (3 per 


cent) . 


. 


6,000 00 


Fire losses incurred during the year 


. 


. 


86,102 30 


Company's stock owned by directors 


9 • • 


• 


76,800 00 



FRANKLIN INSURANCE COMPANY OF BOSTON, BOSTON. 

[Incorporated Jan. 4, 1873. Commenced business Feb. 15, 1873.] 

Paid-up Capital, $200,000. 

Edmund B. Whitney, President. Arthur T. Byrnes, Secretary. 

Office, No. 66 State Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds ..... $25,000 00 $27,025 00 

Boston city bonds . . . .... 25,000 00 30,050 00 

Worcester city bonds . . . . . 5,000 00 5,875 00 

Fitchburg Railroad bonds .... 5,00000 5,31875 

Boston and Lowell Railroad bonds . ... 5,000 00 5,250 00 

Eastern Railroad bonds 7,000 00 7,332 50 

Medford town note 15,000 00 15,825 00 

South Boston Gas-Light Company note . . 10,000 00 10,000 00 

100 shares Jamaica Plain Gas-Light Company, 10,000 00 12,825 00 

50 " Merchandise National Bank . . 5,000 00 5,512 50 



Securities held as collateral for cash loans : — 

200 shares Boston Wharf Company 
11 *« Boy lston National Bank . 

9 " Russell Mills 

130 " Alliance Insurance Company . 



14 



.12,000 00 $125,013 75 



Market value. Loaned thereon. 

$9,000 00 $4,000 00 

1 ' 254 °n 1,822 00 

990 00 I 

8,450 00 8,450 00 



9,694 00 $14,272 00 



106 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec. 
Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in National Union Bank . 
Interest due and accrued 
Premiums in course of collection (gross) . 
Rents due and accrued .... 
Premiums more than 3 months due, $54 05 
Gross assets 

Liabilities. 
Losses adjusted unpaid . . . . 

disputed or resisted . 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



31, 1880. 

$53,000 00 

30,300 00 

1,811 00 

125,013 75 

14,272 00 

330 72 

2,691 33 

2,752 33 

10,668 58 

315 00 



$2,920 98 

2,066 64 

34,185 23 

496 47 



Surplus over capital . . . . 

Income. 

Cash received for fire premiums . . . $57,568 83 
Deduct re-insurance and return premiums . 4,650 94 

Net cash received for fire premiums . . • — 

Interest received on bonds and mortgages . , . 

and dividends received from all other sources . 
Income from rents 



5241,154 71 



39,669 32 



$201,485 39 
200,000 00 

$1,485 39 



552,917 89 
1,505 00 
7,339 62 
1,619 71 



Gross cash income . . . $63,3S2 22 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



,964 96 
270 22 



- $54,694 74 

10,521 87 

7,540 00 

1,681 82 

4,522 41 

. $78,960 84 



* Value of lands mortgaged . . . 
Value of buildings thereon 
Amount of insurance held as collateral 



$18,200 00 
27,700 00 
22,000 00 



1880.] AND FIRE-MARINE INSURANCE COS, 10T 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . ... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re -insured 

Net amount in force 



16,791,253 00 
5,620,162 00 

$12,411,415 00 
6,424,960 00 

$5,986,455 00 
8,750 00 

$5,977,705 00 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year . . . 
Company's stock owned by directors 



Premiums. 

$81,202 03 
55,520 97 



$136,723 00 
67,855 82 

$68,867 18 
36 70 



,830 48 



$723,095 78 

384,377 59 

78,000 00 

44,937 64 

18,500 00 



GLOUCESTER FIRE INSURANCE COMPANY, GLOUCESTER. 

[Incorporated May 15, 1869. Commenced business March 28, 1870.] 

Paid-up Capital, $100,000. 

Robert R. Fears, President. John Cunningham, Secretary. 



Detailed Statement of Stocks, 



United States bonds 
44 shares Gloucester National Bank 



100 
20 
50 
75 
20 
10 
10 
36 
30 

7 
20 

6 
10 
23 
35 
20 



Cape Ann National Bank 
North National Bank 
Exchange National Bank 



4 Revere National Bank . 

' First National Bank 

' Commonwealth National Bank 

' Redemption National Bank . 

' Eliot National Bank 

' Second National Bank . 

' Boston National Bank . 

' Washington National Bank . 

* Howard National Bank . 

' Great Falls and Conway Railroad 

' Fitchburg Railroad 

' Old Colony Railroad 

' Boston and Albany Railroad . 
Eastern Railroad bonds .... 
Chicago, Burlington, and Quincy R.R. bonds 
Boston city bonds ..... 
Cambridge city bonds .... 



Bonds, Etc 

Par value. 

$10,000 00 
4,400 00 
10,000 00 
2,000 00 
5,000 00 
7,500 00 
2,000 00 
1,000 00 
1,000 00 
3,600 00 
3,000 00 

700 00 
2,000 00 

600 00 
1,000 00 
2,300 00 
3,500 00 
2,000 00 
6,500 00 
2,000 00 
4,000 00 
5,000 00 



Market value. 

$10,137 50 
5,808 00 
15,400 00 
2,610 00 
7,050 00 
9,018 75 
4,040 00 
1,200 00 
1,415 00 
4,072 50 
4,537 50 
817 25 
2,752 50 
720 00 
200 00 
3,323 50 
4,445 00 
3,260 00 
6,695 00 
2,522 50 
4,800 00 
6,000 00 



$79,100 00 $100,825 00 



108 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*), $30,751 64 

Interest due or accrued thereon . . . 276 35 

Stocks, bonds, etc., as per schedule . . 100,825 00 

Cash in the office of the company . . . 524 77 

deposited in City National Bank . . 12,128 79 

Premiums in course of collection (net) . . 2,629 77 

Notes taken for marine and inland risks . . 4,218 00 

Gross assets 



Liabilities. 

Losses claimed and reported . 

Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. . 
for borrowed money 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Cash received for marine and inland premiums 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums 
Unpaid premium notes received during year 
Interest received on bonds and mortgages 

and dividends received from all other 
Income from return tax .... 



Gross cash income 



Expenditures. 
Cash paid for fire losses .... 

for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid . . 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for interest on borrowed money 



Gross cash expenditures 



$2,158 50 

20,848 79 

172 50 

390 04 

8,000 00 



$25,106 78 
2,567 93 

$10,333 04 
139 78 

$4,218 00 

sources . 



$4,736 57 
85 75 



$151,354 32 



31,569 83 

$119,784 49 
100,000 00 

$19,784 49 



$22,538 85 



10,193 26 

4,026 85 

3,466 04 

916 51 

$41,141 51 
$22,141 75 



4,650 82 
11,396 50 
3,759 73 
4,058 73 
1,485 17 
224 96 

$47,717 66 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$30,200 00 
40,000 00 
35,600 00 



1880.] AND FIRE-MARINE INSURANCE COS. 109 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total .... 

Deduct risks expired and terminated 

In force at end of year . . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year . 



$2,625,369 00 
2,045,496 00 



Premiums. 

$38 365 03 
25,151 74 



$4,670,865 00 
2,072,137 00 

12,598,728 00 
5,540 00 



$63,516 77 
28,263 61 

$35,253 16 
73 40 



2,593,188 00 


$35,179 76 


$52,140 00 
199,992 00 


$4,081 44 
8,340 18 



$252,132 00 
192,682 00 



$12,421 62 
8,450 87 



$59,450 00 $3,970 75 



Miscellaneous. 

Premiums received from organization of company . • 
Losses paid from organization of company . . • 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$540,980 42 

420,186 67 

47,500 00 

10,000 00 

18,435 32 

1,673 77 

40,500 00 



MANUFACTURERS' FIRE AND MARINE INSURANCE 
COMPANY, BOSTON. 

[Incorporated Jan. 9, 1873. Commenced business Jan. 9, 1873.] 
Paid-up Capital, $500,000. 
Samuel Gould, President. James J. Goodrich, Secretary. 

Office, No. 59 Slate Street. 



Detailed Statement of Stocks. 



282 shares National City Bank 

150 " Shawmut National Bank 

250 " Second National Bank . 

200 " Shoe and Leather National Bank 

268 " National Eagle Bank 

150 " Hamilton National Bank 

300 " Atlas National Bank 

75 " State National Bank 

40 " Atlantic National Bank . 



Bonds, Etc. 

Par value. 

$28,200 00 
15,000 00 
25,000 00 
20,000 00 
26,800 00 
15,000 00 
80,000 00 
7,600 00 
4,000 00 



Market value. 

$33,875 00 
18,037 00 
38,000 00 
28,150 00 
31,558 00 
18,150 00 
88,188 00 
9,094 00 
0,120 00 



110 MASS. JOINT-STOCK FIRE, MARINE, [Dec.31, 



Boston and Lowell Railroad bonds 
Cheshire Railroad bonds . 
Middlesex Railroad bonds 
Somerville Railroad stock 



Par value. Market value. 

$100,000 00 $118,750 00 

52,000 00 55,640 00 

25,000 00 30,000 00 

2,000 00 2,000 00 



$350,500 00 $422,512 00 



Securities held as collateral for cash loans : — 



25 shares Androscoggin Mills 
8 " Lowell Machine Shop 
5 " Lowell Manufacturing Company 

50 " Boston Machine Company 
250 " Forbes Lithographic Company 

42 " Boston Gas-Light Company . 

20 " Boston Machine Company 

18 " Union Market National Bank 
150 " Washington Mills . 
124 " Hill Manufacturing Company 

61 " Washington Mills . 
240 " Chi., Burlington, and Quincy R.R 

22 «. " American Linen Company 
New York and New England R.R. bonds 
Hocking Iron Company bonds 
35 shares Carver Cotton-Gin Company . 
Ogdensburg and Lake Champlain Railroad 
100 shares Atchison, Topeka, and S. Fe R.R. 
Warehouse receipts . 



Market value 

$3,000 00 

6,600 00 

4,750 00 

25,000 00 

25,000 00 

33,390 00 

10,000 00 

1,800 00 

13,000 00 

12,152 00 

5,490 00 

43,200 00 

18,700 00 

34,200 00 

20,000 00 

3,500 00 

13,818 00 

15,250 00 

9,300 00 



. Loaned thereon. 

$10,000 00 

25,000 00 

12,000 00 

6,000 00 

1,500 00 

12,000 00 

10,000 00 

3,700 00 

25,000 00 

15,000 00 

30,000 00 

15,000 00 

3,000 00 

9,500 00 

10,000 00 

7,200 00 



$298,150 00 $194,900 00 



Summary of Assets Dec 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks and with Eng 
lish bankers . . . 

Interest due and accrued .... 
Premiums in course of collection (gross) . 
Notes taken for marine and inland risks . 
Rents due and accrued .... 
Gross assets ..... 



31, 1880. 

$87,700 00 

71,425 00 

3,375 54 

422,512 00 

194,900 00 

21,164 99 

318,460 20 
13,305 12 

102,490 43 

35,192 70 

1,243 41 



,271,769 39 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



$120,000 00 
40,000 00 



1880.] AND FIRE-MARINE INSURANCE COS. Ill 



Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital . . 



$58,189 65 

384,995 64 

5 00 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $407,207 47 
Deduct re-insurance and return premiums . 59,604 85 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums . $400,236 02 
Deduct re-insurance and return premiums . 89,231 03 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the 

year $35,192 70 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents ......... 



$443,190 29 

$828,579 10 
500,000 00 

$328,579 10 



$197,926 39 
16,352 41 



Gross cash income . . . ..... 

Expenditures. 

Cash paid for fire losses . . . . . $255,651 40 
Deduct salvage and re-insurance . . . 5,161 30 

Net cash paid for fire losses .... 

Cash paid for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses . - 
Cash dividends paid ..... 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

Gross cash expenditures .... 

Risks and PREMIUMS. 



$347,602 62 



311,004 99 



4,534 27. 

40,919 19 

4,539 99 

$708,601 06 



$250,490 10 



Fire risks outstanding Dec. 31, J.879 
written during l'S80 

Total ..... 
Deduct risks expired and terminated 

In force, at end of year . 
Deduct amount, re-insured 

Net amount in lorce 



181,573 98 
50,000 00 
60,962 03 
31,800 00 
12,216 37 
56,464 58 

$613,507 06 

Premiums. 
8375,936 33 

407,207 47 

8783,143 80 
307,518 00 

8475,626 80 
17,690 !>1 

•70,880,225 00 8457,934 89 



,583,385 00 
67,795,060 00 



8126,378,445 00 
52,976,638 00 



873,401,807 00 
2,521,582 00 



112 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$3,008,690 00 $144,097 49 
41,328,770 00 397,298 82 



$44,337,460 00 $541,396 31 
39,873,500 00 362,644 27 



^,463,960 00 $178,752 04 
1,024,573 00 21,217 88 



1,439,387 00 $157,534 16 



Miscellaneous. 
Premiums received from organization of company . . 
Losses paid from organization of company . . 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . . . . 

Marine and inland losses incurred during the year 
Company's stock owned by directors . 



54,270,296 57 

2,289,739 55 

325,000 00 

50,000 00 

243,153 75 

175,274 85 

57,600 00 



MERCANTILE MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Feb. 11, 1823. Commenced business May, 1823.] 

Paid-up Capital, $400,000. 

George R. Rogers, President. B. F. Field, Jun., Secretary. 

Office, No. 58 State Street. 





Detailed Statement of Stocks, Bonds, Etc. 








Par value. 


Market value. 


100 shares Atlantic National Bank . 


. $10,000 00 


$15,300 00 


200 < 


' City National Bank 


20,000 00 


24,000 00 


200 ' 


' Columbian National Bank 


20,000 00 


29,800 00 


214 * 


' Eagle National Bank 


. 21,400 00 


25,038 00 


300 ' 


4 Globe National Bank 


30,000 00 


33,000 0C 


120 < 


* Hamilton National Bank 


12,000 00 


14,520 00 


160 < 


' New England National Bank 


16,000 00 


24,160 00 


200 ' 


1 North National Bank 


20,000 00 


26,000 00 


37 « 


' Railroad National Bank 


3,700 00 


4,440 00 


178 < 


' State National Bank 


17,800 00 


21,538 00 


535 ' 


' Suffolk National Bank . 


53,500 00 


65,805 00 


200 ' 


* Tremont National Bank 


20,000 00 


24,200 00 


200 ' 


1 Union National Bank 


20,000 00 


29,600 00 


200 ' 


1 Boston and Providence Railroad 


20,000 00 


30,600 00 


100 ' 


' Lyman Mills .... 


10,000 00 


11,500 00 


United 


States bonds 


25,000 00 


26,950 00 


New B< 


idford Railroad bonds . 


30,000 00 


32,100 00 


Boston 


and Albany Railroad bonds 


30,000 00 


37,500 00 



1880.] AND FIRE-MARINE INSURANCE COS. 113 



Boston and Maine Railroad bonds 
Fitchburg Railroad bonds 
Boston and Lowell Railroad bonds 
Boston city bonds . 
Chaiiestown water loan . 



$10,000 00 
25,000 00 
25,000 00 
05,000 00 
10.000 00 



$12,500 00 
31,250 00 
28,100 00 
78,000 00 
11,600 00 



$514,400 00 $637,501 00 



Securities held as collateral for cash loans: — 

10 shares State National Bank 

3 " Pepperell Manufacturing Company . 

2 " Laconia Company . . . 
Providence city loan . . . 



$1,210 00 
2,925 00 
1,110 00 
1,220 00 



$3,100 00 
1,000 00 



$6,465 00 $4,100 00 



Summary op Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*), $44,500 00 

Interest due or accrued thereon . . . . 744 50 

Stocks, bonds, etc., as per schedule . . 637,501 00 

Loans on collateral security as per schedule . 4,100 00 

Cash in the office of the company . . . 1,843 35 

deposited in various banks . . . 19,945 17 

Interest due and accrued .... 5,848 75 

Premiums in course of collection (gross) . . 1,043 80 

Notes taken for marine and inland risks . . 37,504 09 

Gross assets 



Liabilities. 



Losses claimed and reported 
Less re-insurance . 



Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 

Surplus over capital . 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net casli received for fire premiums 



$19,905 00 
75 00 

$19,830 00 

115,191 86 

1,500 00 

152 29 



.17,446 44 
14,449 35 



$753,030 66 



136,674 15 

$616,356 51 
400,000 00 

$216,356 51 



$102,997 09 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 
15 



(31,875 00 
42,260 00 

44,000 00 



114 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Cash rec'd for marine and inland premiums . $108,294 24 

Deduct re-insurance and return premiums . 26,084 82 

Net cash rec'd for marine and inl'd premiums, $82,209 42 

Unpaid premium notes received during the 

year $37,504 09 

Interest received on bonds and mortgages . . . . 2,610 00 
and dividends received from all other sources . . 32,795 51 



Gross cash income . . 

Expenditures. 

Cash paid for fire losses .... 

for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine^and inland losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals . . . 

Gross cash expenditures . 

Risks and Premiums. 



$71,224 39 
15,459 46 



$220,612 02 



15,742 13 



55,764 93 
40,620 00 
24,606 32 
12,800 00 
5,272 38 
10,875 08 

$215,680 84 

Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 
Deduct risks expired and terminated 

In force at end of year .... 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 . 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year ... 
Deduct amount re-insured 

Net amount in force 



$10,961,815 00 $87,338 82 
17,326,377 00 117,565 91 



$28,288,192 00 $204,904 73 
9,264,411 00 64,221 77 



,023,781 00 $140,682 96 
663,440 00 4,928 77 



$18,360,341 00 $135,754 19 



$5,109,873 00 
4,215,922 00 



$60,460 89 
48,458 93 



£9,325,795 00 $108,919 82 
4,761,873 00 60,301 21 



:,563,922 00 $48,618 61 
38,500 00 2,133 78 



$4,525,422 00 $46,484 83 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors 



$5,153,761 07 

3,968,319 97 

1,734,500 00 

40,000 00 

65,799 97 

55,434 49 

28,300 00 



1880.] AND FIRE-MARINE INSURANCE COS. 115 



NEPTUNE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 24, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $300,000. 

George F. Osborne, President. Eugene B. Hinckley, Secretary. 

Office, No. 64 State Street. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

700 shares Tremont National Bank . . 170,000 00 $85,400 00 

100 " Union National Bank . . . 10,000 00 14,900 00 
30 " Massachusetts National Bank . 7,500 00 9,075 00 
75 " Hamilton National Bank . . 7,500 00 9,150 00 

101 " Suffolk National Bank . . . 10,100 00 12,524 00 
36 " Globe National Bank . . . 3,600 00 3,960 00 

112 " Revere National Bank . . . 11,200 00 13,552 00 

16 " Everett National Bank . . . 1,600 00 1,792 00 

27 " Shoe and Leather National Bank . 2,700 00 3,132 00 

22 " National Bank of Redemption . 2,200 00 3,102 00 

United States bonds 100,0.00 00 108,250 00 

100 shares Boston and Providence Railroad . 10,000 00 15,300 00 

Boston and Maine Railroad bonds . . . 30,000 00 37,500 00 

Burlington and Missouri (Neb.) R.R. bonds . 24,000 00 26,880 00 

Fitchburg Railroad bonds .... 10,000 00 12,500 00 

Fitchburg city bonds . . . . . 30,000 00 34,500 00 

Brookline water loan . . . . . 10,000 00 13,300 00 

Union Pacific Railroad bonds .... 50,000 00 56,450 00 

$390,400 00 $461,267 00 

Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*), $10,000 00 

Interest due or accrued thereon . . . 281 67 

Stocks, bonds, etc., as per schedule . . 461,267 00 

Cash in the office of the company . . . 7,721 43 

deposited in Tremont National Bank . 29,173 83 

Interest due and accrued .... 4,320 00 

Premiums in course of collection (gross) . 10,324 64 

Notes taken for marine and inland risks . . 31,055 84 

Gross assets $554,144 41 



Liabilities. 

Losses claimed and reported .... $5,000 00 

disputed or resisted .... 2,000 00 

Unearned premiums on outstanding risks . 86,723 23 



* Total value of property mortgaged . 
Amount of Insurance held as collateral 



Sll.OUO oo 
10,000 00 



116 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

$1,200 00 



Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



- $94,923 23 

. $459,221 18 
. 300,000 00 



Surplus over capital . . • $159,221 18 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash rec'd for marine and inland premiums 

Deduct re-insurance and return premiums 

Net cash rec'd for marine' and inl'd premiums 

Unpaid premium notes received during the 

year 

Interest received on bonds and mortgages 



$95,687 23 
7,274 46 



$54,369 11 
1,867 91 



$19,950 01 



and dividends received from all other sources 



$88,412 77 



52,501 20 



600 00 
24,683 42 



Gross cash income . $166,197 39 



Expenditures. 
Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for rent .... 
Profit and loss account . 



Gross cash expenditures 



^74,174 53 
~ 302 12 



,556 28 
4,344 91 



$73,872 41 



35,211 37 

30,000 00 

16,588 79 

14,863 89 

4,715 28 

2,568 14 

6,407 41 

$184,227 29 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

57,072,473 00 $85,352 98 
8,956,281 00 89,426 04 



$16,028,754 00 $174,779 02 
7,090,286 00 69,911 46 



$8,938,468 00 $104,867 56 
10,000 00 111 25 



5,928,468 00 $104,756 31 



1880.] AND FIRE-MARINE INSURANCE COS. 117 



Marine risks outstanding Dec. 31, 1879 



written during 1880 



51,614,134 00 $34,177 65 
1,478,952 00 37,283 14 



Total 

Deduct risks expired and terminated 

In force at end of year . 



$,093,086 00 $71,460 79 
1,591,289 00 38,428 17 



$1,501,797 00 



,032 62 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company . 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) 
Fire losses incurred during the year . . 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$1,549,308 70 

1,005,437 37 

210,000 00 

30,000 00 

51,872 41 

31,211 37 

44,100 00 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $200,000. 

Albert Bowker, President. Eugene E. Patridge, Secretary. 

Office, No. 1 Old State House. 



Detailed Statement of Stocks, 



United States bonds 

Eastern Railroad bonds . 

Cambridge city bonds 

Columbian National Bank stock 

Merchants' National Bank stock 

State National Bank stock 

National Hide and Leather Bank stock 

Shoe and Leather National Bank stock 

Chicago, Milwaukee, and St. Paul R.R. bonds, 



Securities held as collateral for cash loans: — 



Union Pacifiic Railroad bonds 

Michigan Central Railroad txmds . 

Covington (Ky.) city bonds . 

Jersey City (N.J.) bonds 

Mobile and Ohio Railroad bonds 

Central Railroad Company of Iowa bonds 

Michigan Central Railroad bonds . 

Atchison, Topeka, and Santa Fo R.R. bonds 

Union Pacific Railroad bonds . 



Bonds, Etc. 

Par value. 

$12,000 00 

11,000 00 

10,000 00 

5,000 00 

15,000 00 

10,000 00 

2,900 00 

1,000 00 

5,000 00 



Market value. 

$13,605 00 

11,522 50 

10,500 00 

7,450 00 

21,450 00 

12,125 00 

3,396 62 

1,157 50 

6,200 00 



$71,900 00 $87,406 62 



Market value. Loaned thereon. 

$1,195 001 
1,150 00 ' 
1,100 00 
1,060 00 
2,140 00 
1,150 00 
1,150 00 
4,182 50 
9,380 00 



$5,000 00 



2,000 00 

3,500 00 
8,000 00 



118 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Cincinnati city bonds 
Michigan Central Railroad bonds 
Central Pacific Railroad bonds 
Union Pacific Railroad bonds . 



Market value. Loaned thereon. 

$2,400 00 \ 
1,150 00 [■ $4,000 00 
1,150 00) 
2,390 00 2,000 00 





$29,597 50 


$24,500 00 


Summary of Assets Dec. 


31, 1880. 




Cash value of unencumbered real estate ; 


$45,940 82 




Loans on mortgage of real estate (first liens*), 


80,353 40 




Interest due or accrued thereon . 


1,946 57 




Stocks, bonds, etc., as per schedule 


87,406 62 




Loans on collateral security as per schedule . 


24,500 00 




Cash in the office of the company . 


324 95 




deposited in various banks 


92,065 90 




Interest due and accrued . . 


926 73 




Premiums in course of collection (gross) 


3,584 31 




Rents due and accrued ..... 


364 64 




Premiums more than three months 






due $451 88 






Gross assets . . . 




$337,413 94 




Liabilities; 






Losses adjusted and unpaid .... 


$961 14 




claimed and reported .... 


3,096 23 




Unearned premiums on outstanding risks 


43,765 32 




Due and accrued for rent, salaries, etc. . 


859 50 




State and local taxes ..... 


526 50 




Commissions and brokerage .... 


464 72 




Re-insurance and return premiums 


302 46 




Gross liabilities, except capital 




49,975 87 




Surplus as regards policy-holders 


$287,438 07 






200,000 00 



Surplus over capital . . ..... $87,438 07 

Income. 

Cash received for fire premiums . . . $50,250 33 
Deduct re-insurance and return premiums . 4,523 34 

Net cash received for fire premiums . . $45,726 99 

Interest received on bonds and mortgages . . . . 7,188 77 

and dividends received from all other sources . . 7,087 13 

Income from rents 1,303 68 

* Value of lands mortgaged $95,070 00 

Value of buildings thereon 71,630 00 

Amount of insurance held as collateral . . . 44,700 00 



1880.] AND FIRE-MARINE INSURANCE COS. 119 



Profit on property sold 
Miscellaneous . 



Gross cash income 



58,437 35 
1,000 00 

,743 92 



Expenditures. 

Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for interest on borrowed money 

for incidentals 



$13,324 77 
456 83 



Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dee. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



19,979,644 00 
8,285,659 00 

$18,265,303 00 
7,383,340 00 

$10,881,963 00 
342,485 00 



$12,867 94 

20,050 00 

5,190 57 

11,016 22 

3,855 91 

30 13 

3,944 83 

$56,955 60 



Premiums. 

2,763 25 
49,965 53 

1132,728 78 
43,666 70 



,062 08 
2,692 82 



$10,539,478 00 $86,369 26 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$473,739 98 

130,590 82 

140,000 00 

20,000 00 

16,662 60 

21,000 00 



PRESCOTT INSURANCE COMPANY, BOSTON. 

[Incorporated Dee. 27, 1872. Commenced business Jan. 15, 1873.] 

Paid-up Capital, $200,000. 

Franklin Greene, President. Francis H. Stevens, Secretary. 

Office, No. 56 Devonshire Street. 



Detailed Statement of Stocks, Bonds, Etc. 



625 shares National Webster Bunk . 
112 " Atlas National Bank 
203 " Kliot National Bank 
10 " National Eagle Bank 



Par value. 

$62,500 00 

11,200 00 

20,300 00 

1,000 00 



Market value. 

$70,078 12 

14,224 00 

22,964 38 

1,177 50 



120 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



100 shares Merchandise National Bank 
125 " Market National Bank . 
50 *■' New England National Bank 
120 " Tremont National Bank 
125 " Second National Bank . 
48 " Blackstone National Bank 
60 u Merchants' National Bank 
100 " State National Bank 
100 " Globe National Bank . 
Boston and Lowell Railroad bonds . 
Cincinnati city bonds 
Cleveland city bonds 
Eastern Railroad bonds . 
Gin., Ind., St. Louis, and Chicago R.R. bonds, 
Kansas City, Lawrence, and So. R.R. bonds . 



Far value. 

$10,000 00 

12,500 00 

5,000 00 

12,000 00 

12,500 00 

4,800 00 

6,000 00 

10,000 00 

10,000 00 

25,000 00 

25,000 00 

20,000 00 

25,000 00 

10,000 00 

25,000 00 



Market value. 

111,100 00 

13,705 62 

7,550 00 

14,760 00 

10,000 00 

5,664 00 

8,550 00 

12,400 00 

10,900 00 

29,750 00 

32,000 00 

21,000 00 

26,250 00 

10,400 00 

25,500 00 



$307,800 00 $357,033 62 



Securities held as collateral for cash loans: — 

Eastern Railroad bonds . . . . 
Union Pacific Railroad bonds .... 
Cm., Sandusky, and Cleveland R.R. bonds 
* Union Pacific Railroad bonds .... 



Market A r alue. Loaned thereon. 

$3,675 00 $3,000 00 

Soof «.«»«> 

1,135 00 1,000 00 



$8,045 00 $7,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate . 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in Nat'l Bank of the Com'lth 
Interest due and accrued 
Premiums in course of collection (gross) . 
Gross assets ..... 



31, 1880. 

$11,000 00 

357,033 62 

7,000 00 

20,042 55 

16,517 27 

2,298 33 

.15,302 01 



$129,193 78 



Liabilities. 

Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 

Total amount of losses .... 
Less re-insurance ..... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 



$12,645 03 

4,826 09 

500 00 

$17,971 12 
686 33 

$17,284 79 
97,207 61 



1880.] AND FIRE-MARINE INSURANCE COS. 121 



Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



^2,962 27 

$117,454 67 



. $311,7-39 11 
. 200,000 00 



Surplus over capital $111,739 11 

Income. 

Cash received for fire premiums . . . $165,203 92 

Deduct re-insurance and return premiums . 19,464 00 

Net cash received for fire premiums . . «__=.____ $145,739 92 

Interest and dividends received from all sources . . . 18,162 05 



Gross cash income $163,901 97 

Expenditures. 



Cash paid for fire losses . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals . 



$96,074 71 
618 56 



$95,456 15 

20,000 00 

28,924 68 

8,400 00 

2,920 78 

10,747 19 



Gross cash expenditures . . . .... $166,448 80 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 



written during 1880 



Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$14,839,186 00 $178,955 31 
16,436,989 00 166,695 11 



$31,276,175 00 $345,650 42 
14,683,645 00 151,073 67 



$16,592,530 00 $194,576 75 
363,781 00 3,680 81 



$16,228,749 00 $190,895 94 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors .... 
16 



$1,106,990 86 

522,016 59 

180,000 00 

'JO, 000 00 

02,800 08 

119,700 00 



122 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
REVERE FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated May 3, 1875. Commenced business May 6, 1875.] 

Paid-up Capital, $200,000. 

Joseph H. Wellman, President. John W. Belches, Secretary. 

Office, No. 4-8 Congress Street. 



Detailed Statement of Stocks, 

100 shares Old Colony Railroad 

30 u Norwich and Worcester Railroad 
Cheshire Railroad bonds 
Chicago and Eastern Illinois Railroad bonds 

34 shares Metropolitan National Bank . 

25 ' 

50 ' 

15 ' 

30 ' 

50 ' 

50 ' 

20 < 

38 < 

78 ' 

19 < 
100 < 

63 < 



' Merchandise National Bank . 

' Boston National Bank . 

* Eagle National Bank 

' Second National Bank . 

' Third National Bank 

' Boylston National Bank 

' Mount "Vernon National Bank 

' Everett National Bank . 

' Atlantic National Bank . 

' Mechanics' National Bank 

' National Bank of the Republic 

' National Bank of Redemption 

United States bonds .... 

20 shares E. & T. Fairbanks & Co. 



Bonds, Etc. 

Par value. 

$10,000 00 

3,000 00 

15,000 00 

10,000 00 

3,400 00 

2,500 00 

5,000 00 

1,500 00 

3,000 00 

5,000 00 

5,000 00 

2,000 00 

3,800 00 

7,800 00 

1,900 00 

10,000 00 

6,300 00 

40,000 00 

10,000 00 



Market value. 

$12,700 00 

4,350 00 

15,900 00 

10,750 00 

3,757 00 

2,756 25 

5,837 50 

1,766 25 

4,537 50 

5,287 50 

5,712 50 

2,160 00 

4,256 00 

11,934 00 

2,344 12 

12,800 00 

8,914 50 

44,800 00 

11,000 00 



$145,200 00 $171,563 12 



Securities held as collateral for cash loans : — 

Boston city bonds . 

Chicago and Eastern Illinois Railroad bonds . 
100 shares Oregon Railroad and Nav. Co. 
15 " Revere Copper Company 



Market value. 

$1,260 00 

8,400 00 

13,500 00 

18,000 00 



Loaned thereon. 

$1,000 00 
6,000 00 
4,500 00 

15,000 00 



$41,160 00 $26,500 00 



Summary op Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $10,000 00 

Loans on mortgage of real estate (first liens *), 22,000 00 

Interest due or accrued thereon . . 206 15 

Stocks, bonds, etc., as per schedule . . 171,563 12 

Loans on collateral security as per schedule . 26,500 00 

Cash in the office of the company . . . 115 63 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$13,200 00 
33,800 00 
23,000 00 



1880.] AND FIRE-MARINE INSURANCE COS. 123 



Cash deposited in Everett National Bank 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued 

Gross assets ..... 

Liabilities. 

Losses adjusted unpaid . . . 

claimed and reported . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



$34,774 97 

1,392 52 

15,828 42 

216 66 



$3,076 75 
600 00 

64,205 43 
1,000 00 
2,374 26 



Income. 

Cash received for fire premiums . . . $128,120 75 
Deduct re-insurance and return premiums . 19,621 60 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents . . 



282,597 47 



71,256 44 

$211,341 03 

200,000 00 

$11,341 03 



$108,499 15 

3,358 75 

10,498 97 

544 98 



Gross cash income . .. . . . . $122,901 85 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$87,484 85 
4,018 51 



,466 34 

17,809 00 

11,290 00 

4,702 40 

15,748 53 

$133,016 27 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 



written during 1880 



Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-iusured 

Net amount in force 



Premiums. 

,379,847 00 $127,041 70 
10,828,701 00 125,793 11 



$21,208,518 00 $252,834 87 
10,860,217 00 119,724 34 



$10,348,33] 00 $133,110 53 
297,873 00 4,241 77 



$10,050,458 00 $128,868 76 



124 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



£555,568 16 

246,413 60 

10,000 00 

75,623 74 

,30,900 00 



SALEM MARINE INSURANCE COMPANY, SALEM. 

[Incorporated Feb. 6, 1856. Commenced business Feb. 7, 1857.] 

Paid-up Capital, $100,000. 

William Northey, President. Frederick P. Richardson, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 

Burlington and Missouri River Railroad bonds, 
Cedar Rapids and Missouri River R.R. bonds, 
Vt. Central and Vt. and Canada R.R. bonds 
Phila., Wilmington, and Bait. R.R. bonds 
Fremont, Elkhorn, and Mo. Valley R.R. b'ds 
Cleveland city bonds 
Providence city bonds 
Cambridge city bonds 
Louisville city bonds 
Manhattan Beach Improvement Co. bonds 
30 shares Mercantile National Bank, Salem 
$1 " Merchants' National Bank, Salem 
73 " Exchange National Bank, Salem 
98 " First National Bank, Salem . 
100 " Naumkeag National Bank, Salem 
93 " North National Bank, Boston 
100 " Second National Bank, Boston 
100 " Webster National Bank, Boston 
75 " Bank of Commerce, Boston . 
51 " Atlantic National Bank, Boston 
30 " Merchants' National Bank, Boston 
16 " Shawmut National Bank, Boston 
21 " Boston National Bank, Boston 



Par value. 

$50,000 00 
6,000 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 
5,000 00 
3,000 00 
4,050 00 
7,300 00 
9,800 00 

10,000 00 
9,300 00 

10,000 00 

10,000 00 
7,500 00 
5,100 00 
3,000 00 
1,600 00 
2,100 00 



Market value. 

$51,868 75 

6,720 00 

6,062 50 

3,750 00 

5,250 00 

5,000 00 

12,000 00 

5,650 00 

12,500 00 

5,250 00 

5,000 00 

3,540 00 

5,670 00 

8,176 00 

11,760 00 

14,500 00 

12,136 50 

15,200 00 

11,212 50 

9,159 37 

7,803 00 

4,290 00 

1,928 00 

2,451 75 



$193,750 00 $226,878 37 



1880.] AND FIRE-MARINE INSURANCE COS. 125 



Securities held as collateral for cash loans : — 



148 shares Asbestos Packing Company 
Cleveland city bond . . 

Burlington and Missouri River Railroad 
Louisville city bonds 
Cook county bonds .... 



Market value. Loaned thereon. 

$3,700 00 $3,000 00 

1,200 00 ^ 

2.016 00? flOTooq 

2,000 00^ 6 ' 31839 

1,575 00 j 

$10,491 00 $9,318 39 



Summary of Assets Dec. 31, 1880. 



Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in Merchants' National Bank 
Interest due and accrued .... 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks . 
Gross assets 



$226,878 37 

9,318 39 

550 06 

19,382 63 

1,437 53 

3,115 50 

19,009 13 



$279,691 61 



Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rents, salaries, etc. . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$11,660 00 

26,452 91 

235 00 

800 00 

472 94 



39,620 85 

$240,070 76 
100,000 00 



Surplus over capital . . . .... $140,070 76 



Income. 

Cash rec'd for marine and inland premiums . 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums, 
Unpaid premium notes rec'd during the year . 
Interest received on bonds . 



$59,467 94 
3,144 12 



$19,009 13 
and dividends rec'd from all other sources 



$56,323 82 

5,822 35 
6,423 78 



Gross cash income $68,569 95 



Expenditures. 
Cash paid for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 



$34,103 13 
4,84:) 94 



$29,2f)9 19 
9,975 00 



126 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals . . . 

Gross cash expenditures .... 

Risks and Premiums. 



Marine risks outstanding Dec. 31,1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



1874,573 00 
3,057,103 00 



$3,931,676 00 
3,313,329 00 

. $618,347 00 
8,750 00 



$3,321 


10 


3,060 


00 


553 


92 


1,355 49 



$47,524 70 



Premiums. 

26,846 80 
52,496 66 

$79,343 46 
52,664 05 

$26,679 41 
226 50 



. $609,597 00 $26,452 91 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Marine and inland losses incurred during the year. 
Company's stock owned by directors .... 



$1,124,823 01 

851,007 25 

234,000 00 

10,000 00 

29,259 19 

13,700 00 



SHOE AND LEATHER INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $400,000. 

John C. Abbott, President. Henry B. White, Secretary. 

Office, No. 16 Congress Street. 



Detailed Statement of Stocks, 



253 shares Shawmut National Bank 



50 
200 
100 

31 
117 

47 

62 
250 

54 



Merchandise National Bank 
Hamilton National Bank 
Second National Bank . 
Atlantic National Bank . 
Tremont National Bank 
Atlas National Bank 
Merchants' National Bank 
National Bank of the Republic 
National Bank of Redemption 



Bonds, Etc, 

Tar value. 

$25,300 00 
5,000 00 

20,000 00 

10,000 00 
3,100 00 

11,700 00 
4,700 00 
6,200 00 

25,000 00 
5,400 00 



Market value. 

$30,486 50 
5,512 50 

24,400 00 

15,200 00 
4,743 00 

14,157 00 
5,974 88 
8,866 00 

32,000 00 
7,627 50 



1880.] AND FIRE-MARINE INSURANCE COS. 127 



Boston and Albany Railroad bonds 
Boston and Lowell Railroad bonds . 
Eastern Railroad bonds . 



Chicago, Burl., and Quincy R 
United States bonds 
Cambridge city bonds 
Providence city bonds 
Somerville city bonds 
Woburn town bonds 
Beverly town bonds 
Worcester city bonds 



R. bonds 



Par value. 

$40,000 00 
10,000 00 
21,000 00 
20,000 00 

140,000 00 
40,000 00 
25,000 00 
21,500 00 
25,000 00 
5,000 00 
50,000 00 



Market value. 

$51,516 66 
11,000 00 
22,312 50 
20,650 00 

156,987 50 
42,050 00 
28,250 00 
21,849 38 
28,625 00 
5,241 67 
54,562 50 



$513,900 00 $592,012 59 



Summary of Assets Dec. 31, 1880. 
Loans on mortgage of real estate (first liens *), $38,000 00 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks . 
Gross assets 

Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



822 92 

592,012 59 

20,924 16 

72,863 23 
72,462 57 
62,854 27 



',144 63 

5,000 00 

226,788 52 

2,839 48 



$859,939 74 



271,772 63 

. $588,167 11 
. 400,000 00 

Surplus over capital $188,167 11 

Income. 

Cash received for fire premiums . . . $201,082 03 
Deduct re-insurance and return premiums . 18,243 04 

Net cash received for fire premiums . . $182,839 59 

Cash received for marine and inland premiums, $287,475 50 
Deduct re-insurance and return premiums . 48,235 24 

Net cash rec'd for marine and inl'd premiums . 239,240 26 

Unpaid premium notes received during the year, $62,854 27 



* Value of lands mortgaged 
Value of buildings thereon 

Amount of Insurance held hh col lute ml 



sin. < KM) 00 

60,000 00 
18,000 00 



128 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Interest received on bonds and mortgages 

and dividends received from all other sources 



$2,550 00 
27,787 03 



Gross cash income . . . . .... $152,416 8S 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash dividends-paid 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for rent and incidentals . . . . 



$96,385 72 
222 97 

$150,337 86 
3,346 17 



Gross cash expenditures .... 
Risks and Premiums. 



$96,162 75 



146,991 69 
35,000 00 
42,960 69 
17,326 70 
7,252 26 
14,979 21 

$360,673 30 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . . ... 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 . 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year .... 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$209,494 18 
217,569 08 

$427,063 26 
166,133 02 

$260,930 24 
1,730 18 

$22,994,419 00 $259,200 06 

$4,029,018 00 $74,289 59 
28,779,500 00 274,810 40 



$17,767,635 00 
24,650,889 00 

$42,418,524 00 
19,066,294 00 

$23,352,230 00 
357,811 00 



$32,808,518 00 $349,099 99 
29,004,327 00 259,901 54 



$3,804,191 00 $S9,19S 45 
5,000 00 40 00 



$3,799,191 00 $89,158 45 



Miscellaneous. 

Premiums received from organization of company 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (cash) 

Dividends declared during the year (stock) 

Fire losses incurred during the year . . . . 

Marine and inland losses incurred during the year 

Company's stock owned by directors . 



$2,174,102 78 
961,076 56 
215,000 00 

35,000 00 
100,000 00 

79,762 92 
161,619 50 

83,100 00 



1880.] AND FIRE-MARINE INSURANCE COS. 129 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated 1849. Commenced business 1851.] 

Paid-up Capital, $1,000,000. 

J. N. Dunham, President. Sanford J. Hall, Secretary. 



Detailed Statement of Stocks, 



United States bonds .... 
Boston and Albany Railroad bonds 
Kansas City, St. Jos., and C. B. R.R. bonds 
Union Pacific Railroad bonds . 
Chicago and North- Western Railroad bonds 
Morris and Essex Railroad bonds . 
New York and Harlem Railroad bonds, 7s 
100 shares Agawam Nat'l Bank, Springfield 

84 ' 

104 

100 

28 

200 

75 

34 

67 

10 

100 

100 

100 

100 

150 

100 

75 

50 

100 

500 

18:5 

500 

45 

1000 

500 

200 

1000 

1000 

500 



John Hancock N'l B'k, Springfield 
Chicopee Nat'l Bank, Springfield 
Pynchon Nat'l Bank, Springfield 
Second Nat'l Bank, Springfield 
Third Nat'l Bank, Springfield 
Ware Nat'l Bank, Ware 
First Nat'l Bank, Northampton 
Northampton Nat'l Bank 
Monson Nat'l Bank 
Merchants' Nat'l Bank, Boston 
Atlas Nat'l Bank, Boston 
Howard Nat'l Bank, Boston 
Webster Nat'l Bank, Boston 
Boylston Nat'l Bank, Boston 
Eliot Nat'l Bank, Boston 
Nat'l Bank of Commerce, Boston 
Nat'l Bank of Commerce, N.Y. 
Fourth Nat'l Bank, N.Y. . 
Boston and Albany Railroad 
Boston and Providence Railroad 
Connecticut River Railroad . 
Worcester and Nashua Railroad 
X.V., X.H., and Hartford R.R. 
N.Y Cent, and Hud. Riv. R.R. 
Old Colony Railroad 
\<sv York and Harlem Railroad 
Phila., Wil., and Baltimore R.R 
( Ihicago, Burl., and Quincy II. R, 



Bonds, 

Par value 

$100,000 

100,000 

100,000 

50,000 

25,000 

8,000 

10,000 

10,000 

8,400 

10,400 

10,000 

2,800 

20,000 

7,500 

3,400 

6,700 

1,000 

10,000 

10,000 

10,000 

10,000 

15,000 

10,000 

7,500 

5,000 

10,000 

50,000 

18,300 

50,000 

4,500 

li)O,000 

50,000 

20, ooo 

50,000 
50,000 
50,000 



Etc. 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



Market value. 

$127,000 00 



122 

115 

52 

26 

10 

12 

12 

9 

14 

16 

4 

32 

8 

4 

8 

1 

14 

12 

12 

11 

16 

11 

9 

6 

11 

77 

26 

75 

2 

170 
72 

L'l 

93 

70 
85 



000 00 
000 00 
000 00 
250 00 
000 00 
500 00 
000 00 
240 00 
560 00 
000 00 
480 00 
000 00 
625 00 
080 00 
040 00 
250 00 
000 00 
500 00 
000 00 
000 00 
800 00 
200 00 
000 00 
750 00 
500 00 
500 00 
535 00 
000 00 
700 00 
ooo 00 
500 00 
000 00 
ooo 00 
ooo oo 
ooo 00 



,003,500 00 81,376,010 00 



17 



130 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Securities held as collateral for cash loans : — 



20 shares Agawam Nat'l Bank, Springfield 
10 
10 
5 
25 
100 
60 



Third Nat'l Bank, Springfield 
Agawam Nat'l Bank, Springfield 
Connecticut River Railroad 
Quassaick National Bank 
Nonotuck Paper Company 
Valley Paper Company . 
1 share Parsons Paper Company . 
Kansas City, St. Jos., and C. B. R.R. bonds 



Market value. 


Loaned thereon. 


$2,400 00 


$2,275 00 


1,600 00 


900 00 


1,200 00 


1,000 00 


750 00 


500 00 


625 00 


400 00 


10,000 00) 




8,400 00 


- 15,000 00 


10,000 00 J 




10,000 00 


10,000 00 


$44,975 00 


$30,075 00 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $151,400 00 
Loans on mortgage of real estate (first liens *), 313,666 67 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets ..... 

Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance .... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 



9,430 25 

1,376,010 00 

30,075 00 

7,821 72 

68,810 55 

21,305 75 

103,000 00 

1,065 25 



$30,073 34 

38,183 98 

9,091 46 

$77,348 78 
3,333 82 

$74,014 96 

631,172 43 

15,450 00 



-$2,082,585 19 



720,637 39 

51,361,947 80 
1,000,000 00 

$361,947 80 



$1,009,711 18 
92,715 48 



$916,995 70 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$220,000 00 
406,000 00 
307,600 00 



1880.] AND FIRE-MARINE INSURANCE COS. 131 



Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents ..... 



. $20,683 83 

sources . . 68,303 78 

. . . 6,813 64 

Gross cash income ....... $ 1,012,796 95 

Expenditures. 

Cash paid for fire losses $544,043 59 

Deduct salvage and re-insurance . . . 22,091 23 

Net cash paid for fire losses .... 1521,95236 

Cash dividends paid . . 75,000 00 

paid for commissions and brokerage .... 139,480 09 

for salaries of officers and employes . . . . 41,538 47 

for state and local taxes . . .... 30,S51 47 

for incidentals 90,433 11 

Gross cash expenditures . . . .... $899,255 50 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1879 . $95,795,663 00 $1,145,965 17 
written during 1880 . . 82,819,724 00 1,009,711 18 



$178,615,387 00 $2,155,676 35 
76,613,074 00 915,669 18 



Total ..... 
Deduct risks expired and terminated 

In force at end of year . . . $102,002,313 00 

Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (cash) 
Dividends declared during the year (stock) 
Fire losses incurred during the year . . . . 

Company's stock owned by directors . . . . 



11,240,007 17 

.2,078,410 17 

7,945,374 01 

1,392,042 00 

75,000 00 

250,000 00 

517,831 63 

176,900 00 



TRADERS' AXD MECHANICS' INSURANCE COMPANY, 

LOWELL. 

[Incorporated June, 1848. Commenced business June, 1848.] 

Paid-up Capital, $100,000. 

Levi Sprague, President. Edward M. Tucke, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Boston and Lowell Railroad bonds . . . -110,000 00 $11,800 00 

Lowell and Lawrence Railroad bonds . . 6,000 00 6,420 00 

Boston and Maine Railroad bonds . . . 5,000 00 6,250 00 

Eastern Railroad bonds 5,000 00 5,000 00 

Cook county bonds 2,000 00 2,100 00 

10 shares Boston and Lowell Railroad . . 5,000 00 5,250 00 

10 " Stony Brook Railroad . . . 1,000 00 1,000 00 

2 " Merrimack Manufacturing Company, 2,00000 3,200 00 



132 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



7 shares Massachusetts Cotton Mills 



5 
20 
20 
4 
2 
34 
10 
10 
10 



Lowell Manufacturing Company 
Bates Manufacturing Company 
Hill Manufacturing Company . 
Hamilton Manufacturing Company 
Appleton Manufacturing Company 
Prescott National Bank . 
Atlas National Bank 
Tremont National Bank . 
Merchants' National Bank 



Par value. 

$7,000 00 
3,450 00 
2,000 00 
2,000 00 
4,000 00 
2,000 00 
3,400 00 
1,000 00 
1,000 00 
1,000 00 



Market value. 

$8,400 00 
4,500 00 
4,000 00 
1,900 00 
4,400 00 
2,200 CO 
4,420 00 
1,250 00 
1,180 00 
1,375 00 



62,850 00 $74,645 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens*), 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company, and depos- 
ited in bank . . 
Interest due and accrued .... 
Premiums in course of collection (gross) 
Personal loans . . . 

Gross assets 



Liabilities. 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 
Income from rents ..... 



$14,500 00 
62,350 00 
74,645 00 



5,189 61 

1,164 15 

152 43 

10,700 00 



$1,300 00 
25,077 45 



Gross cash income 



$20,208 31 
954 96 



Expenditures. 



Cash paid for fire losses .... 

dividends paid .... 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 

Gross cash expenditures . 



$168,701 19 



26,377 45 



. $142,323 74 
. 100,000 00 



$42,323 74 



$19,253 35 

8,853 35 

84S S5 

$28,955 55 



$1S,S01 69 
8,000 00 
2,786 10 
3,941 35 
1,965 74 

$35,494 88 



* Amount of insurance held as collateral 



$52,950 00 



1880.] AND FIRE-MARINE INSURANCE COS. 133 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year 



^3,313,319 00 
2,137,361 00 



Premiums. 

$44,355 09 
20,281 72 



$5,450,680 00 $64,636 81 
2,552,228 00 27,338 47 



$2,898,452 00 $37,298 34 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (8 per cent) 
Fire losses incurred during the year . 
Company's stock owned by directors . 



$477,248 13 

296, 19S 65 

172,500 00 

8,000 00 

17,601 69 

5,300 00 



WASHINGTON FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 31, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $400,000. 

Isaac Sweetser, President. A. Willard Damon, Secretary. 

Office, No. 38 State Street. 



250 sh 
567 

75 
100 
150 

50 

75 
120 
109 

81 
100 

74 

18 

15 

40 

10 



Detailed Statement cf Stocks, 



ares Atlas National Bank 
Columbia National Bank 
Continental National Bank 
Hamilton National Bank 
Merchants' National Bank 
Merchandise National Bank 
National Bank of Commerce 
National City Bank 
National Eagle Bank 



National Hide and Leather Bank 
National Revere Bank . 
State National Bank 
Suffolk National Bank . 
Washington National Bank . 
Norwich and Worcester Railroad 
Boston Gas-Light Company 

United States bonds .... 

Boston city bonds ..... 

Old'Colony Railroad bonds 

Eastern Railroad bonds .... 

Chicago, Burl., and Quincy Railroad bonds 

Union Pacific Railroad bonds 



Bonds, Etc. 

Par value. 

$25,000 00 

56,700 00 

7,500 00 

10,000 00 

15,000 00 

5,000 00 

7,500 00 

12,000 00 

10,900 00 

8,100 00 

10,000 00 

7,400 00 

1,800 00 

1,500 00 

4,000 00 

5,000 00 

110,000 00 

110,000 oo 

20,000 00 
61,500 00 

20,000 00 
20,000 Oil 



Market value. 

$31,781 25 

85,050 00 

8,643 75 

12,200 00 

21,450 00 

5,525 00 

9,168 75 

14,415 00 

12,834 75 

9,487 12 

12,025 00 

8,072 50 

2,223 00 

2,055 00 

5,600 00 

8,000 00 

121,762 50 

113,000 00 
2 1,600 00 
64,575 00 
25,400 oo 
22,500 oo 



134 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31. 



Cedar Rapids and Missouri River R.R. bonds, 
95 shares Relief Steamboat Company 



Par value. 

$5,000 00 
9,500 00 



Market value. 

$6,062 50 
2,500 00 



Securities held as collateral for cash loans : — 

320 shares Indian Orchard Mills 
10 " Commercial Wharf Company . 



$543,400 00 $659,831 12 

Market value. Loaned thereon. 

$40,000 00 $25,000 00 

25,000 00 10,000 00 



Summary of Assets Dec. 



$65,000 00 
31, 1S80. 

Loans on mortgage of real estate (first liens *), $46,000 00 

Interest due or accrued thereon . . . 967 00 

Stocks, bonds, etc., as per schedule . . 659,831 12 

Loans on collateral security as per schedule . 85,000 00 

Cash in the office of the company . . . 4,869 90 

deposited in Columbia National Bank . 101,013 77 

Interest due and accrued .... 2,628 75 

Premiums in course of collection (gross) . 20,375 24 

Notes taken for marine and inland risks . 66,179 54 

Gross assets ..... 
Deduct special deposit in Virginia . 



Balance 



Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 
Deduct liability on special deposit . 

Surplus as regards policy-holders 
Paid-up capital ..... 



$28,010 00 

147,946 58 

4,665 35 

$180,621 93 
3,805 40 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $144,762 13 

Deduct re-insurance and return premiums . 13,043 26 
Net cash received for fire premiums 

Cash received for marine and inland premiums, $176,963 11 

Deduct re-insurance and return premiums . 26,866 90 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the 

year $51,967 75 



$35,000 00 



$936,865 32 
20,000 00 

$916,865 32 



176,816 53 



$740,048 79 
400,000 00 

$340,048 79 



$131,718 87 



150,096 21 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$28,500 00 
65,500 00 
53,000 00 



1880.] AND FIRE-MARINE INSURANCE COS. 135 



Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from profit and loss account 



$3,721 25 

35,390 70 

74 02 



Gross cash income . . . .' . . . . $321,00105 



Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for rent and incidentals . 

Gross cash expenditures . 



Risks and Premiums. 



$81,075 82 
251 16 



,488 09 
2,725 99 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re- insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force 



$10,907,672 00 
17,808,188 00 

$28,715,860 00 
13,823,540 00 



$14,892,320 00 
90,733 00 



,824 66 



83,762 10 
40,000 00 
33,805 87 
15,850 00 
7,374 59 
14,019 64 

$275,636 86 



Premiums. 

$118,456 08 
150,781 08 

$269,237 16 
108,744 76 

$160,492 40 
807 67 



$14,801,587 00 $159,684 73 



$3,307,500 00 
12,684,176 00 

$15,991,676 00 
10,832,167 00 

$5,159,509 00 
231,468 00 



$77,264 18 
128,519 57 

$205,783 75 
129,563 98 

$76,219 77 
5,500 40 



$4,928,041 00 $70,719 37 



Miscellaneous. 

Premiums received from organization of company . 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during i,h(; year (10 per cent) . 

Fire losses incurred during the year . 

Marine and inland losses Incurred 'hiring the year ■ 

Company's stock owned by directors 



$2,220,256 46 

1,198,740 17 

240,000 00 

40.000 00 
76,277 01 

89.001 74 
53,200 00 



136 MASS. F., M., AND F.-M. INS. COS. [Deo. 81, '80. 



AGGREGATE. 



Capital Stock. 




Whole amount of capital actually paid up in cash 


16,450,000 00 


Assets. 




Gross present assets ....... 


$13,009,661 00 


Liabilities. 




Gross present liabilities . . . . 


$3,433,569 00 


Income. 




Cash actually received for fire premiums 


$2,808,218 00 


actually received for marine premiums 


1,740,297 00 


for interest and dividends from all sources . 


534,522 00 


from all other sources ...... 


29,164 00 


Gross cash income . . . . .''.'. 
* 


$5,112,201 00 


Expenditures. 




Cash actually paid during the year for fire losses . 


$1,788,670 00 


actually paid during the year for marine losses . 


1,045,324 00 


for dividends to stockholders . . . . 


531,122 00 


for brokerage and commissions on premiums 


557,121 00 


for salaries and pay of officers and employes 


300,725 00 


for state and local taxes . 


136,766 00 


for office, agency, and incidental expenses . 


316,691 00 


Gross cash expenditures ..... 


$4,676,419 00 


Miscellaneous. 




Whole amount of fire risks written during the year 


$343,486,523 00 


premiums charged or receivable thereon 


3,167,585 00 


marine risks written during the year 


160,970,802 00 


premiums charged or receivable thereon . 


2,069,688 00 


fire risks terminated during the year 


289,480,269 00 


marine risks terminated during the year . 


157,578,503 00 


fire risks outstanding at end of year . 


373,547,078 00 


marine risks outstanding at end of year . 


31,219,352 00 


unpaid premium notes received during the year, 


657,715 00 


cash dividends declared during the year . 


528,000 00 


fire losses incurred during the year . 


1,704,074 00 


marine losses incurred during the year 


1,161,694 00 



FIRE, MARINE, AND EIRE-MARINE 
INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

Dec. 31, 1880. 



18 



138 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



.ETNA INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business Aug. 19, 1819.] 

Paid-up Capital, $3,000,000. 

Lucius J. Hendee, President. Jotham Goodnow, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

8372,000 00 $424,140 00 

10,000 00 7,000 00 

5,070 69 5,070 69 

74,500 00 79,715 00 

48,000 00 52,800 00 

91,000 00 10.0,100 00 

14,605 00 14,605 00 

31,000 00 15,190 00 

25,000 00 25,000 00 

14,000 00 14,700 00 

56,000 00 59,360 00 

100,000 00 120,000 00 

26,000 00 27,300 00 

25,000 00 25,000 00 

100,000 00 115,000 00 

24,000 00 25,200 00 

60,000 00 64,800 00 

20,000 00 21,600 00 

50,000 00 57,500 00 

25,000 00 27,000 00 

50,000 00 55,000 00 

25,000 00 26,000 00 

80,000 00 86,400 00 

50,000 00 55,000 00 

47,000 00 51,700 00 

50,000 00 55,000 00 

117,000 00 124,020 00 

50,000 00 55,000 00 

10,000 00 11,000 00 

46,000 00 46,000 00 

25,000 00 27,500 00 

13,000 00 13,390 00 



United States bonds .... 
Alabama state bonds . . . . 
Canada dominion stock . 
Connecticut state bonds .... 
New Hampshire state bonds . 
Rhode Island state bonds 
South Carolina state bonds (consolidated) 
Tennessee state bonds .... 
Hudson county (N.J.) bonds . 
Barkhamsted (Conn.) town bonds 
Hartford (Conn ) town bonds. 
Norwich (Conn.) town bonds . 
Norfolk (Conn.) town bonds . 
Danbury (Conn.) town bonds . 
Pawtucket (R.I.) town bonds . 
Windsor Locks (Conn.) town bonds 
Middletown (Conn.) town bonds 
BJoomington (111.) city bonds . 
Boston (Mass.) city bonds 
Brooklyn (N.Y.) city bonds . 
Buffalo (N.Y.) city bonds 
Cleveland (O.) city bonds 
Cleveland (O.) city bonds 
Cincinnati (O.) city water bonds 
Chicago (111) city bonds 
Detroit (Mich ) city bonds 
Hartford (Conn.) city bonds . 
Indianapolis (Ind.) city bonds 
Ironton (O.) city bonds . 
Jersey City (N.J.) city bonds . 
Lockport (N.Y.) city bonds . 
Montreal (Can.) corporation stock 



1880.] 



INS. COS. OF OTHER STATES. 



139 



Montreal (Can.) corporation bonds . 
Newark (N.J.) city bonds 
New Brunswick (N.J.) city bonds . 
New York city stock 
Rahway (N.J.) city bonds 
Providence (RI.) city bonds . 
East Saginaw (Mich.) city bonds . 
Titusville (Penn ) city school and water bonds 
Toledo (O) city special bonds 
Toledo (O) city water bonds . 
Rochester (N.Y.) city bonds . 
Oswego (N.Y ) city bonds . * ■ * 
East School District bonds, Vernon, Conn. 
West School District bonds, Vernon, Conn. 
School District, town Woodbridge, N.J. . 
Montezuma (To.) school bonds 
Atlantic Dock Company bonds 
Albany and Susquehanna Railroad bonds 
Buffalo and Erie Railroad bonds 
Cle., Col , Cin., and Indianap. R.R. S. F. b'ds, 
Cleveland, Painsville, and Ashtabula Railroad, 
Cleveland and Toledo R.R. Gen. S. F. bonds, 
Chicago, Burl., and Quincy R.R. S. F. bonds, 
Chicago and North- Western Railroad bonds 
Cincinnati, Ham., and Dayton Railroad bonds 
Columbus and Xenia Railroad bonds 
Dayton and Western Railroad bonds 
Harlem Riv. and P. Chester R.R. 1st bonds 
Housatonic Railroad 1st bonds 
Indianapolis and Cincinnati Railroad 
Joliet and Chicago Railroad 1st S. F. bonds 
Keokuk and Des Moines Railroad 1st bonds 
Lake Shore Railroad bonds 
Lake Shore and Mich. So. 11. R. reg. S. F. bonds 
Little Miami Railroad bonds . 
Michigan Central Railroad bonds . 
Mich. Southern and No. Indiana R.R. bonds 
Morris and Essex Railroad 2d bonds 
Moms and Essex Railroad 1st consol. bonds 
New York Central Railroad bonds . 
N.Y. Central and Hudson River R.R. bonds 
New York and Harlem Railroad bonds . 
Pittsburg, Ft. Wayne, and Chicago Railroad 
Michigan Central Railroad bonds . 
Vermont Valley Railroad bonds 
Atlantic .Mutual Insurance Company scrip 
50 shares Connecticut River Company. 
500 " Albanyand Susquehanna R.R. Co 
144 " Central Ohio Railroad Company 



Par value. 

$10,000 00 
50,000 00 
20,000 00 
21,000 00 
45,000 00 
50,000 00 
12,000 00 
15,000 00 
13,000 00 
5,000 00 
25,000 00 
25,000 00 
3,500 00 
2,000 00 
20,000 00 
10,000 00 
31,000 00 
50,000 00 
15,000 00 
25,000 00 
22,000 00 
85,000 00 
30,000 00 
50,000 00 
20,000 00 
50,000 00 
25,000 00 

150,000 00 
50,000 00 
25,000 00 
18,000 00 
40,000 00 
10,000 00 
12,000 00 
72,000 00 
50,000 00 
25,000 00 
25,000 00 
50,000 00 
75,000 00 

175,000 00 
10,000 00 

211,000 00 
10,000 00 
50,000 00 
30,075 00 
5,000 00 
50,000 00 
7,200 00 



Market value. 

$10,300 00 
56,000 00 
20,000 00 
22,260 00 
15,750 00 
59,000 00 
12,960 00 
15,900 00 
14,040 00 
5,400 00 
28,000 00 
27,000 00 
3,500 00 
2,000 00 
20,000 00 
10,000 00 
32,550 00 
54,000 00 
18,450 00 
31,250 00 
25,080 00 
90,950 00 
33,300 00 
55,500 00 
21,200 00 
52,500 00 
25,000 00 

174,000 00 
54,000 00 
25,750 00 
19,440 00 
40,400 00 
12,200 00 
12,960 00 
72,000 00 
64,000 00 
27,250 00 
29,250 00 
62,500 00 
78,750 00 

232,750 00 
13,300 00 

270,900 00 
11,000 00 
51,000 00 
30,075 00 
1,000 00 
00,000 00 
5,700 00 



140 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



1000 shares 


175 


(< 


250 


a 


100 


a 


158 


a 


1000 


a 


600 


a 


1000 


c i 


750 


il 


500 


ii 


100 


ii 


100 


ii 


67 


ii 


220 


ii 


50 


a 


50 


a 


200 


a 


200 


a 


200 


a 


300 


a 


200 


a 


f 150 


a 


500 


a 


420 


a 


200 


a 


821 


a 


633 


a 


250 


a 


400 


a 


300 


a 


100 


a 


300 


n 


100 


a 


300 


a 


400 


a 


100 


a 


667 


a 


160 


a 


1200 


a 


375 


a 


200 


a 


267 


a 


200 


a 


277 


a 


400 


a 


150 


a 


320 


a 



Cleveland and Pittsburg R.R Co. 
Connecticut River R.R. Company, 
Dubuque and Sioux City R.R. Co 
Joliet and Chicago Railroad Co. 
Keokuk and DesM. R.R. Co. pref 
Morris and Essex Railroad Co. 
N. Y. Cent, and H. Riv. R.R Co 
N. Y., N. H., and H. R.R. Co. 
Pittsb., Ft. W., and Chi. R.R. Co 
New York and Harlem R.R. Co. 
Ashuelot Railroad Company 
New Britain (Conn.) Nat'l Bank 
First National Bank, Albany 
Farmers' and Mechanics' National 

Bank, Philadelphia, Penn. 
Merchants' Bank, St. Louis . 
Merchants' Nat'l Bank, St. Louis, 
Mechanics' Nat'l Bank, St. Louis, 
iEtna National Bank, Hartford 
American Nat'l Bank, Hartford . 
Charter Oak Nat'l B'k, Hartford, 
City National Bank, Hartford 
Conn. Riv. Banking Co., Hartford, 
National Exch. Bank, Hartford . 
Farmers' and Mechanics' National 

Bank, Hartford . 
First National Bank, Hartford 
Hartford Nat'l Bank, Hartford . 
Phoenix National Bank, Hartford . 
State Bank, Hartford . 
American Exch. Nat'l Bank, N.Y. 
Nat'l Butch, and Drov. B'k, N.Y. 
National City Bank, N.Y. . 
National Bank of Commerce, N.Y. 
Hanover National Bank, N.Y. 
Imp. and Traders' Nat'l B'k, N.Y. 
Bank of the Manhattan Co., N.Y. 
Market National Bank, N.Y. 
Merchants' National Bank, N.Y. . 
Merchants' Exch. Nat'l B'k, N.Y. 
Mechanics' National Bank, N.Y. . 
Metropolitan Nat'l Bank, N.Y. . 
Nassau Bank, N.Y. 
B'kof N.Y. Nat'l B'k'g Asso., N.Y. 
Bank of North America, N.Y. 
Phenix National Bank, N.Y. 
People's Bank, N.Y. . 
National B'k of the Republic, N.Y. 
Union National Bank, N.Y. . 



Par value. 

150,000 00 
17,500 00 
25,000 00 
10,000 00 
15,800 00 
50,000 00 
60,000 00 

100,000 00 
75,000 00 
25,000 00 
10,000 00 
10,000 00 
6,700 00 

22,000 00 

5,000 00 

5,000 00 

20,000 00 

20,000 00 

10,000 00 

30,000 00 

20,000 00 

4,500 00 

25,000 00 

42,000 00 
20,000 00 
82,100 00 
63,300 00 
25,000 00 
40,000 00 

7,500 00 
10,000 00 
30,000 00 
10,000 00 
30,000 00 
20,000 00 
10,000 00 
33,350 00 

8,000 00 
30,000 00 
37,500 00 
20,000 00 
26,700 00 
14,000 00 

5,540 00 
10,000 00 
15,000 00 
16,000 00 



Market value. 

$62,500 00 
26,250 00 
20,000 00 
12,000 00 
6 320 00 
61,000 00 
90,000 00 

170,000 00 
93,750 00 
45,000 00 
11,300 00 
13,000 00 
10,050 00 

26,840 00 
400 00 

5,000 00 
19,600 00 
26,000 00 
14,000 00 
40,500 00 
20,000 00 

5,400 00 
36,250 00 

52,500 00 

24,000 00 

133,823 00 

103,179 00 

27,500 00 

50,000 00 

8,625 00 

21,000 00 

45,000 00 

12,000 00 

69,000 00 

28,000 00 

12,000 00 

43,355 00 

8,000 00 

45,000 00 

56,250 00 

20,600 00 

37,380 00 

14,000 00 

5,706 20 

11,000 00 

19,500 00 

24,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



141 



150 shares N.Y. Life Ins. and Trust Co., N.Y. 
100 " United States Trust Co., N.Y. 
100 " Union Trust Company, N.Y. . 
100 " Central Trust Company, N.Y. 



Par value. 

115,000 00 
10,000 00 
10,000 00 
10,000 00 



Market value . 

$58,500 00 
38,000 00 
19,000 00 
16,000 00 



14,888,010 69.|5,821,943 89 



Summary of Assets Dec. 31, 18S0. 

Cash value of unencumbered real estate . . $365,000 00 
Loans on mortgage of real estate (first liens*), 81,570 00 



Interest due or accrued thereon 
Stocks and bonds as per schedule 
Cash in the office of the company 

deposited in various banks 
Premiums in course of collection (gi 

Gross assets 
Deduct liabilities in other states 



Balance 



oss) 



Liabilities. 
Losses adjusted unpaid .... 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Due and accrued for printing . 
Commissions and brokerage . 
Return premiums . . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital . 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Cash received for inland premiums. 
Deduct re-insurance and return premiums 
Net cash received for inland premiums . 
Interest received on bonds and mortgages 



971 60 

5,821,943 89 

10,771 32 

786,708 61 

357,108 30 



•$7,424,073 72 
. 109,400 69 

$7,314,673 03 



$28,841 77 

113,890 26 

16,000 00 

1,477,695 33 

4,104 00 

500 00 

43,016 35 

10,754 09 

$1,694,801 80 
40,676 28 



- 1,654,125 52 

$5,660,547 51 
. 3,000,000 00 

$2,660,547 51 



$2,230,332 97 

125,330 04 



$2,105,002 93 



$110,107 60 
20,935 92 



89,47] 68 
5,177 63 



* Value of lands mortgaged 
Value of buildings tbereon 
Amouni of Insurance in-ia as collateral 



-•T'.'.n | 

B8, 00 

60,000 "ii 



142 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest and dividends received from all other sources . . $334,083 81 



Income from rents . 

Deposits received for perpetual fire risks . 

Gross cash income ..... 

Expenditures. 
Cash paid for fire losses ..... 
for inland losses . . , 
dividends paid . . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
_for incidentals . 

Deposits returned on perpetual fire risks 

Gross cash expenditures . . . 

Risks and Premiums. 



8,390 57 



13,288 90 



20 00 



$2,542,126 62 

$1,188,265 39 
51,186 97 
600,000 00 
339,848 65 
140,057 79 
43,818 46 
117,445 06 

$2,480,622 32 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Inland risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 



Premiums. 

$272,519,159 00 $3,003,510 00 
225,467,448 00 2,233,794 97 



$497,986,607 00 $5,237,304 97 
225,916,668 00 2,296,002 77 



$272,069,939 00 $2,941,302 20 
2,020,349 00 22,614 67 



$270,049,590 00 $2,918,687 oS 



$341,550 00 
18,922,492 00 

$19,264,042 00 
18,786,292 00 



$15,746 21 
110,407 60 

5126,153 SI 
104,187 11 



$477,750 00 $21,966 70 
52,100 00 1,842 50 



$425,650 00 $20,124 20 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent) . 
Fire losses incurred during the year .... 

Inland losses incurred during the year .... 
Company's stock owned by directors . . 



$84,889,495 06 
52,301,525 45 
11,503,365 00 

. 600,000 00 

. 1,151,152 7S 
46,915 72 

. 261,700 00 



1880.] 



INS. COS. OF OTHER STATES. 



143 



ALBANY INSURANCE COMPANY, ALBANY, N.Y. 

[Incorporated March 8, 1811. Re-organized June 1, 1851.] 

Paid-up Capital, $200,000. 

Harmon Pumpelly, President. Theodore Townsend, Secretary. 



Detailed Statement of 

United States bonds 

Albany city bonds . 

Syracuse city bonds 

Poughkeepsie city bonds 

Chicago city bonds . 

Jersey city bonds . 

Watervliet town and railroad bonds 

New York Central Railroad bonds . 

Buffalo and Erie Railroad bonds 



Stocks, Bonds, Etc. 

Par value. Market value. 

$300,000 00 $343,000 00 

20,000 00 25,000 00 

5,000 00 5,750 00 

5,000 00 5,600 00 

5,000 00 5,000 00 

5,000 00 5,250 00 

15,000 00 15,500 00 

15,000 00 15,600 00 

5,000 00 6,000 00 



$375,000 00 $426,700 00 



Securities held as collateral for cash loans : 
Long Dock Company bond 



Market value. 

$1,180 00 



Loaned thereon. 

$750 00 



Summary of Assets Dec. 31, 1S80. 

Stocks, bonds, etc., as per schedule . . $126,700 00 

Loans on collateral security as per schedule . 750 00 

Cash in the office of the company . • . 292 81 

deposited in New York State Nat'l Bank, 13,424 82 

Interest due and accrued .... 887 91 

Premiums in course of collection (net) . . 52 50 

Gross assets ...... 

Liabilities. 

Losses adjusted unpaid ..... $36 95 

claimed and reported . . . . 3,660 00 

Unearned premiums on outstanding risks . 35,607 19 

State and local taxes . . . . . 861 26 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$442,108 04 



Surplus over capital . 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest and dividends received from all sources 



40,165 40 

$401,942 64 
200,000 00 

$201,942 64 



$05,696 90 
4,513 72 



$01,183 18 
17,047 58 



Gross cash income $78,830 70 



144 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses $54,747 73 

Deduct salvage and re-insurance . .. . 15,293 08 
Net cash paid for fire losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employe's 

for state and local taxes . 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$8,988,369 00 
. 9,106,701 00 



$39,454 Go 
27,500 00 
8,305 21 
7,075 04 
1,049 35 
2,336 34 

$85,720 59 



Premiums. 

565,002 83 
65,749 40 



$18,095*,070 00 $130,752 23 
. 8,513,565 00 57,969 66 



1,581,505 00 
205,762 00 



$72,782 57 
1,288 85 



»,375,743 00 $71,493 72 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (13| per cent) 
Fire losses incurred during tiie year .... 
Company's stock owned by directors .... 



$1,767,430 00 

667,924 88 

787,500 00 

27,500 00 

36,037 51 

38,080 00 



AMERICAN INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.] 

Paid-up Capital, $000,000. 

S. G. Gould, President. Fred H. Harris, Secretary. 

Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $364,483 35 

Loans on mortgage of real estate (first liens*), 651,351 75 

Interest due or accrued thereon . . « 16,686 17 

United States bonds 380,625 00 

Cash in the office of the company . . . 2,552 29 

deposited in various banks . . . 52,466 44 



* Total value of property mortgaged 
Amount of insurance held as collateral 



$1,889,250 00 
813,005 00 



1880.] 



INS. COS. OF OTHER STATES. 



145 



Premiums in course of collection (gross) 
Rents due and accrued ..... 
Company's own stock . . $101,500 00 
Premiums more than three 

months due ... 2,208 36 

Gross assets ...... 

Liabilities. 
Losses adjusted unpaid .... 

claimed and reported . 

Unearned premiums on outstanding risks 

Dividends to stockholders unpaid . 

Commissions and brokerage . 

Dividends to policy-holders unpaid . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$16,864 09 
3,021 17 



•$1,488,050 26 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents ..... 



Gross cash income 



Expenditures. 
Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid scrip-holders . 

dividends paid policy-holders . 

paid for commissions and brokerage 

for salaries of officers and employe' 

for state and local taxes . 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



$428 00 

1,818 15 

110,139 38 

4,856 75 

3,294 53 

18,546 00 



- 139,082 81 

$1,348,967 45 
. 600,000 00 

. $748,967 45 



$202,006 50 
18,048 19 



sources 



,431 66 
2,611 81 



Fire risks outstanding Dec. 31, 1879 



written during 1880 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in forw 
19 



$25,870,654 00 
28,947,705 00 

$54,818,359 00 
20,275,420 00 

$28,512,039 00 
459,225 00 



$183,958 31 
47,438 67 
25,167 06 
12,903 82 

$269,467 86 



$76,819 85 
59,434 30 
16,487 00 
27,294 14 
28,494 87 
7,203 33 
12,951 16 

$228,684 65 

Premiums. 

$194,991 16 
201,934 09 

$396,925 25 
175,481 24 

$221,444 01 
3,449 72 



$28,083,714 00 $217,994 29 



146 FIRE, MARINE, AND FIRE-MARINE [Dec. 81, 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company . . ' . 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 

Company's stock owned by directors . . . 



53,174,582 73 
816,975 71 

1,030,836 26 
60,000 00 
7.3,131 31 
33,475 00 



AMERICAN CENTRAL INSURANCE COMPANY, 
ST. LOUIS, MO. 

v [Incorporated February, 1853. Commenced business February, 1853.] 
Paid-up Capital, $300,000. 
George T. Cram, President. James Newman, Secretary. 



Detailed Statement of Bonds. 

Par value. Market value. 

United States bonds . ... . $200,000 00 $260,000 00 

Missouri State bonds 400,000 00 440,000 00 



$600,000 00 $700,000 00 



Summary of Assets Dec. 31, 1880. 



Bonds as per schedule 

Cash in the office of the company . 

deposited in Bank of Commerce 
Premiums in course of collection (gross) 
Gross assets . . 



Liabilities. 

Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 

Total amount of losses .... 
Less re-insurance 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Commissions and brokerage . . . 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 



$700,000 00 

2,446 04 

60,119 84 

53,539 93 



$19,425 92 

12,616 00 

3,465 00 

$35,506 92 
4,837 26 



>,669 66 

226,436 42 

673 25 

8,030 99 



$816,105 81 



265,S10 32 

$550,295 49 
300,000 00 

$250,295 49 



1880.] 



INS. COS. OF OTHER STATES. 



147 



Income. 

Cash received for fire premiums . . . $494,028 94 
Deduct re-insurance and return premiums . 87,313 04 

Net cash received for fire premiums . . $406,715 90 

Interest received on bonds . . . .... 36,350 00 

and dividends received from all other sources . 1,474 49 

Gross cash income $444,540 39 



Expenditures. 

Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for rent ..... 

for incidentals . . 



$264,998 11 
21,613 19 



$243,384 92 
43,792 50 
74,535 02 
33,661 00 
8,616 97 
4,750 00 
31,100 53 

$139,840 94 



Gross cash expenditures . . . ... 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1879 . $26,437,124 00 $403,346 23 



written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



35,678,702 00 494,287 32 



$62,115,826 00 $897,633 55 
31,058,306 00 416,949 36 



$31,057,520 00 $480,684 19 
1,753,534 00 29,913 40 



$29,303,986 00 $450,770 79 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$5,910,840 86 

3,282,362 05 

279,537 70 

43,000 00 

237,797 76 

51,000 00 



148 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

AMERICAN EXCHANGE FIRE INSURANCE COMPANY, 

NEW YORK, N.Y. 

[Incorporated Feb. 28, 1859. Commenced business March 1, 1859.] 

Paid-up Capital, $200,000. 

Henry Butler, President. William Raynor, Secretary. 



Detailed Statement op Stocks, Bonds, Etc. 

Par value. Market value. 

1100,000 00 $107,500 00 
20,000 00 24,400 00 



United States bonds . 
Union Pacific Railroad bonds . 
Williamsburg Gas-Light Company bonds 
Western Union Telegraph bonds 
Kansas and Pacific Railroad bonds . 
150 shares American Exchange Bank 
100 " Fourth National Bank . 
50 " Central National Bank . 



10,000 00 
2,000 00 
20,000 00 
15,000 00 
10,000 00 
5,000 00 



10,250 00 
2,332 50 

20,925 00 

18,600 00 

11,900 00 

6,000 00 



$182,000 00 $201,907 50 



Securities held as collateral for cash loans : — 



Central Park and Crosstown Railroad bonds 
Erie Railroad bonds .... 
49 shares New York and New Haven R.R. 



100 

400 

300 

20 



Williamsburg Gas-Light Company 
Western Union Telegraph Co. 
Second Avenue Railroad 
Metropolitan Gas-Light Company 
New York and New Haven R.R. 



Market value. Loaned thereon. 

$6,500 00] 
1,020 00 ' 



7,938 00 , 
5,750 00 J 
32,400 00 ^ 
25,500 00 C 
2,000 00) 
6,480 00 



y $13,000 oo 



46,000 00 
2,200 00 



$87,588 00 $61,200 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 

Interest due and accrued 

Premiums in course of collection (gross) 

Prem's more than three months due, $583 62 

Gross assets 



$20,500 00 

6,000 00 

120 00 

201,907 50 

61,200 00 

174 28 

6,721 46 

1,252 90 

3,925 50 



$301,801 64 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$5,000 00 
8,000 00 
7,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



149 



Liabilities. 

Losses adjusted unpaid $302 78 

claimed and reported .... 1,600 00 

Total amount of losses . . . . $1,902 78 
Less re-insurance 750 00 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. 
Commissions and brokerage . 
Return premiums .... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital .... 

Surplus over capital . 

Income. 

Cash received for fire premiums . . . $47,119 70 
Deduct re-insurance and return premiums . 9,427 31 

Net cash received for fire premiums . . 

Cash received for marine and inland premiums •',.--• 
Interest received on bonds and mortgages .... 
and dividends received from all other sources . 



$1,152 78 


19,382 


90 


725 


00 


458 


33 


272 


91 


407 56 



22,399 48 

. $279,402 16 
. 200,000 00 

. $79,402 16 



$37,692 39 

2,714 15 

522 32 

33,602 54 



Gross cash income . $74,531 40 

Expenditures. 
Cash paid for fire losses $19,524 84 

Deduct salvage and re-insurance . . 5,539 13 

Net cash paid for fire losses ' . 
Cash paid for marine and inland losses 
dividends paid 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$9,634,936 00 

11,64:5,21(5 00 



21,278,152 00 

11,564,889 00 

$9,7i:5,20:{ 00 

678,899 00 



$13,985 71 

2,547 93 

20,100 00 

3,612 35 

15,900 00 

782 24 

6,145 43 

$63,073 66 

Premiums. 

$38,092 31 
47,367 53 

$85,459 84 
47,005 52 

$37,794 82 
8,682 89 



$9,039,801 00 §:;i,111 t3 



150 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 



1,250 00 
160,400 00 

$226,650 00 
136,650 00 



Premiums. 

$1,961 59 
2,714 15 

$4,675 74 
2,277 30 



$90,000 00 $2,398 44 



Miscellaneous. 

Premiums received from organization of company 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent) . 

Fire losses incurred during the year . 

Marine and inland losses incurred during the year 

Company's stock owned by directors . . . . 



,400,022 00 

537,003 00 

305,000 00 

20,000 00 

10,303 00 

2,548 00 

61,700 00 



AMERICAN FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 

Paid-up Capital, $400,000. 

James M. Halsted, President. David Adee, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds .... 
Delaware and Hudson Canal Company bonds 
133 shares Delaware and Hudson Canal Co. 



900 
400 
100 
200 
40 
100 



Harlem Gas-Light Company . 
Rensselaer and Saratoga Railroad 
National Bank of Commerce . 
American Exchange Nat'l Bank 
Nat'l Bank of State of New York 
Mercantile Trust Company 



$481,000 00 $511,808 00 
50,000 00 58,000 00 



13,300 00 
45,000 00 
40,000 00 
10,000 00 
20,000 00 
4,000 00 
10,000 00 



12,236 00 
31,500 00 
50,000 00 
14,500 00 
24,800 00 
4,600 00 
15,000 00 



$673,300 00 $722,444 00 



Securities held as collateral for cash loans : 



25 shares Equitable Life Assurance Society . 
200 " Pacific Fire Insurance Company 
United States bonds . . . . . \ 
104 shares National Bank State of New York . \- 

10 " American Exchange National Bank, ) 
Northern Pacific Railroad bonds 
United States bonds ..... 
100 shares Western Union Telegraph Co. . > 
New York Elevated Railroad bonds . . ) 

N. Y., Lake Erie, and Western Railroad bonds, 
Union Pacific Railroad bonds .... 



Market value. Loaned thereon. 

S3, 750 00 $2,500 00 

11,300 00 8,500 00 

23,662 00 20,000 00 



15,000 00 
50,812 00 

24,200 00 

25,250 00 
3,675 00 



10,500 00 
50,000 00 

20,000 00 

20,000 00 
2,600 00 



$157,649 00 $134,100 00 



1880.] 



INS. COS. OF OTHER STATES. 



151 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $150,220 00 

Interest due or accrued thereon . . . 1,532 20 

Stocks, bonds, etc., as per schedule . . 722,444 00 

Loans on collateral security as per schedule . 134,100 00 

Cash in the office of the company . . . 3,158 57 

deposited in Leather Manuf . Nat'l Bank, 19,229 12 

Interest due and accrued .... 1,077 66 

Premiums in course of collection (gross) . . 12,842 86 
Prem's more than three months due, $642 50 
Gross assets f ..... 

Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
Accrued for rent 
State and local taxes 
Commissions and brokerage . 
Return premiums . 

Gross liabilities, except capital and scrip 

Surplus as regards policy-holders 

Paid-up capital 

Scrip outstanding not ordered to be redeemed, 

Surplus over capital and scrip . . . . 

Income. 

Cash received for fire premiums . . . $182,534 29 
Deduct re-insurance and return premiums . 19,716 75 

Net cash received for fire premiums . . — 

Interest received on bonds and mortgages .... 

and dividends from all other sources .... 

Income from exchange ........ 



$1,044,604 41 



$9,553 73 
84,303 08 
2,903 00 
3,974 49 
1,334 00 
5,415 14 
1,913 15 
243 99 



$400,000 00 
301,048 00 



109,640 58 
$934,963 83 



701,048 00 
$233,915 83 



$162,817 54 

9,370 08 

39,270 38 

1,719 10 



Gross cash income $213,177 10 



Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid 

paid for redemption of scrip 



$79,564 89 
22,856 08 



$56,708 81 

40,000 00 

460 00 



* Value of lands mortgaged $158,600 00 

Value of buildings thereon 226,000 00 

Am. ,1ml. of Insurance held em collateral . . . 161,600 00 

t Including $200,000 special reserve fund held under NTevi 5fork law. 



152 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest paid scrip-holders 

Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for rents .... 

for incidentals 



Gross cash expenditures . 

Risks and Premiums 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . ..'... 
Deduct risks expired and terminated 

In force at end of year . . 
Deduct amount re-insured 

Net amount in force 



$40,306,664 00 
55,564,124 00 

$95,870,788 00 
54,918,834 00 

$40,951,954 00 
2,706,956 00 



,512 28 

24,386 38 

28,354 32 

1,243 26 

9,175 00 

9,516 37 

$180,356 42 



Premiums. 

$157,910 53 
179,376 20 

$337,286 73 
166,651 97 

$170,634 76 
9,344 17 



$38,244,998 00 $161,290 59 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . 



$3,531,278 00 

1,030,454 00 

884,000 00 

40,000 00 

66,365 75 

150,250 00 



AMERICAN FIRE INSURANCE COMPANY, PHILADELPHIA, 

PENN. 

[Incorporated Feb. 28, 1810. Commenced business March 12, 1810.] 

Paid-up Capital, $400,000. 

Thomas R. Maris, President. Albert C. L. Crawford, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds .... 
Lehigh Coal and Navigation Company bonds 
Shamokin Val. and P. R.R. 1st mort. bonds 
North Pennsylvania Railroad 1st mort. bonds 
Harrisburg, P., Mt. Joy, and L. R.R. bonds 
Delaware Division Canal Company bonds 
Pennsylvania Railroad bonds . 
Chesapeake and Delaware Canal Co. bonds 
Delaware Railroad Company bonds 
Susquehanna Canal Company bonds 
Philadelphia and Reading Railroad bonds 



Par value. 

$490,000 00 

40,000 00 

20,000 00 

18,000 00 

10,000 00 

15,000 00 

50,000 00 

10,000 00 

5,000 00 

7,000 00 

2,100 00 



Market value, 

$526,612 50 

44,800 00 

22,600 00 

20,060 00 

10,700 00 

14,700 00 

58,300 00 

8,800 00 

5,800 00 

3,150 00 

1,302 00 



1880.] 



INS. COS. OF OTHER STATES. 



153 



Schuylkill Navigation Company bonds . 
Tennessee state bonds .... 
Del. and R. Canal and Camden and Amboy 

Railroad and Transportation Co. bonds 
Philadelphia, WiL, and Bait. Railroad bonds 
Elmira and Williamsport Railroad bonds 
American Steamship Company loan 
100 shares North Pennsylvania Railroad Co. 
100 " Pennsylvania Railroad Company 
Railway Car Trust Company, Pennsylvania 
New York and Pacific Car Trust Company 
Philadelphia and Erie Railroad bonds 



Par value. Market value. 

$13,225 00 $13,340 00 
24,000 00 11,760 00 



24,000 00 
10,000 00 

1,000 00 
15,000 00 

5,000 00 

5,000 00 
53,000 00 

9,000 00 
14,000 00 



27,360 00 

11,000 00 
900 00 

16,500 00 
5,550 00 
6,600 00 

53,530 00 
9,180 00 

14,210 00 



$840,325 00 $886,754 50 



Securities held as collateral for cash loans : — 

Market value. 

300 shares Pennsylvania Railroad . . . $19,800 00 

700 " Lehigh Valley Railroad . . . 40,075 00 

732 " Lehigh Valley Railroad . . . 41,907 00 

450 " Philadelphia and Erie Railroad . 9,000 00 

32 " Farmers' Bank of Lancaster . . 2,560 00 

Charlestown (S.C.) Mining and M'f'g Co. bds. 5,500 00 

Lehigh Coal Manufacturing Company bonds . 2,200 00 



Summary of Assets Dec. 31, 1880. 
Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) . 
Rents due and accrued .... 
Gross assets 



Loaned thereon. 



[$ 



$50,000 00 



36,000 00 
5,000 00 
1,400 00 
4,000 00 
1,615 81 



$121,042 00 $98,015 81 


1, 1880. 




$174,424 17 


310,539 50 


7,262 


18 


886,754 


50 


98,015 


81 


1,697 


10 


51,358 


54 


5,940 


07 


9,302 


54 


592 


16 




«1 WK Q07 17 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 



$11,880 03 
12,536 00 
10,650 00 



f Value of lands mortgaged 
Value "(' bulldtagt thereon 
Amount of Insurance beld aa collateral 

'20 



$291,860 00 
518,000 00 
268,460 00 



154 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks 
Reclaim able on perpetual fire policies 
Dividends to stockholders unpaid . 
State and local taxes 
Miscellaneous . . . . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



$195,343-19 

266,006 45 

825 00 

7,105 87 

600 00 



1504,946 54 

1,040,940 63 
400,000 00 

$640,940 63 



Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents . . . . . 

from all other sources 
Deposits received for perpetual fire risks 



Gross cash income . . . ..... $425,187 38 



$377,182 29 
27,183 45 



sources 



:,564 37 



$349,998 84 

18,914 98 

46,427 69 

4,057 87 

5,788 00 



Expenditures. 

Cash paid for fire losses .... 
dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 
Deposits returned on perpetual fire risks 

Gross cash expenditures . 



1,432 42 



$198,422 60 
39,855 00 
68,628 95 
35,326 81 
17,496 11 
4,542 62 

$364,272 09 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 
Perpetual risks in force . 



Premiums. 

$32,455,983 00 $326,595 47 
39,125,192 00 369,513 25 



$71,581,175 00 $696,108 72 
36,127,950 00 324,758 89 



$35,453,225 00 $371,349 83 
. 316,524 00 3,068 58 



$35,136,701 00 $368,281 25 
$10,759, 84S 00 



1880.] 



INS. COS. OF OTHER STATES. 



155 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . . ... 
Company's stock owned by directors .... 



$6,926,287 36 

4,393,442 31 

2,092,975 50 

40,000 00 

216,534 81 

19,900 00 



ATLANTIC FIRE AND MARINE INSURANCE COMPANY, 

PROVIDENCE, R.L 

[Incorporated May, 1852. Commenced business June, 1852.] 

Paid-up Capital, $200,000. 

J. S. Parish, President. T. W. Haywaed, Jun., Secretary. 



Detailed Statement of Stocks, 



163 shares National Bank of Commeixje 



120 
113 

200 

169 

10 

11 

200 



Northern Bank 
Weybosset National Bank 
Merchants' National Bank 
Fourth National Bank . 
Rhode Island Safe Deposit Co. 
American Exchange Nat'l Bank 
Michigan Central Railroad 



Bonds, Etc. 

Par value. 

18,150 00 

12,000 00 

5,650 00 

10,000 00 

16,900 00 

1,000 00 

1,100 00 

20,000 00 



Market value. 

$8,639 00 

11,400 00 

6,893 00 

12,600 00 

20,026 50 

1,000 00 

1,375 00 

25,000 00 



$74,800 00 $86,933 50 



Summary op Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in the Fourth National Bank 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets ..... 

Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 
Gross liabilities, except capita] 

Surplus as regards policy-holders 
Paid-up capita] 



Surplus over capital $17,901 35 



$153,280 26 

86,933 50 

177 46 

4,563 29 

800 00 

10,970 30 

3,693 07 



$654 64 

3,388 25 

990 00 

33,562 84 

169 00 

538 19 

3,213 61 



$260,417 88 



42,516 53 

$217,901 35 
200,000 00 



156 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . . $64,453 91 

Deduct re-insurance and return premiums . 7,803 42 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums . $7,884 38 

Deduct re-insurance and return premiums . 2,488 71 

Net cash rec'd for marine and inl'd premiums, 

Interest and dividends received from all sources 

Income from rents . . . . . .... 



$56,650 49 



5,395 67 

4,085 76 

10,028 39 



Gross cash income $76,160 31 



Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
dividends paid 
paid for commissions and brokerage 
for salaries and incidentals 
for state and local taxes . 
for expenses on real estate 



$40,810 98 
3,799 94 



$37,011 04 

1,235 72 

11,991 00 

10,083 06 

12,093 96 

2,344 26 

5,029 11 



Gross cash expenditures . . . .... $79,788 15 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$4,247,386 00 
. 6,522,784 00 



,770,170 00 
5,130,199 00 



$5,639,971 00 
28,710 00 



Premiums. 

$54,156 09 
64,453 91 

$118,610 00 
53,256 37 

$65,353 63 
386 00 



$5,611,261 00 $64,967 63 



$910 63 
7,884 38 



. $116,526 00 
. 1,104,034 00 

$1,220,560 00 
. 1,110,040 00 

. $110,520 00 
13,150 00 



$97,370 00 $819 91 



$8,795 
7,891 


01 

85 


$903 16 
83 25 



1880.] 



INS. COS. OF OTHER STATES. 



15T 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (6 per cent) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year . 
Company's stock owned by directors 



£3,088,705 75 

2,355,718 43 

341,000 00 

12,000 00 

38,576 67 

1,260 29 

59,633 00 



ATLANTIC MUTUAL INSURANCE COMPANY, NEW YORK. 

[Incorporated April 11, 1842. Commenced business April 11, 1842.] 

John D. Jones, President. Joseph H. Chapman, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



American Exchange Bank stock 

Bank of America stock . 

Bank of Commerce stock 

Bank of New York stock 

Leather Manufacturers' Bank stock 

Merchants' Bank stock . 

Mechanics' Bank stock . 

Manhattan Company Bank stock . 

Market Bank stock .... 

Metropolitan Bank stock 

Phenix Bank stock .... 

Union Bank stock .... 

Delaware and Hudson Canal Co. bonds 

New York Central Railroad bonds . 

Brooklyn city bonds 

Jersey city bonds .... 

Kings county bonds 

New York city and county bonds . 

District of Columbia bonds 

New York state bonds 

United States bonds 



Par value. 

$40,000 00 

90,000 00 

20,000 00 

43,000 00 

15,600 00 

65,150 00 

45,900 00 

8,550 00 

25,000 00 

33,700 00 

24,440 00 

32,000 00 

87,000 00 

39,000 00 

122,000 00 

100,000 00 

23,000 00 

400,600 00 

310,000 00 

45,000 00 

8,918,000 00 



Market value.* 

$36,000 00 
90,000 00 
20,000 00 
43,000 00 
15,600 00 
65,150 00 
45,900 00 
8,550 00 
22,500 00 
33,700 00 
17,108 00 
32,000 00 
78,300 00 
33,150 00 

109,800 00 
90,000 00 
20,700 00 

380,600 00 

186,000 00 

45,000 00 

7,610,500 00 



$10,487,940 00 $8,983,558 00 



Securities held as collateral for cash loans: — 



Importers' and Traders' Bank stock 
Grand River Valley Railroad bonds 
Jersey City bonds .... 



Market value. 

$23,000 00 
20,000 00 
36,000 00 



Loaned tlierroii. 

$10,000 00 
16,000 00 
80,000 00 



• Estimated for purpose of permanenl Investment. 



158 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Missouri, Kansas, and Texas R.R. bonds, 
Pacific Railroad of Missouri bonds . 
Milwaukee and St. Paul Railroad bonds, 
Louisville and Nashville Railroad bonds, 
Louisville and Nashville Railroad stock 
Milwaukee and St. Paul Railroad stock 
Chicago and North- Western R.R. stock 
Chicago, Burl., and Quincy R R. stock 
Metropolitan Elevated Railroad stock 
St. Paul, Minn., and Omaha R.R. bonds 
"Wabash and St. Louis Railroad bonds 
Louisville, N. Albany, and Chi. R.R. b'ds 
Morris and Essex Railroad bonds . 
Indianapolis and Cincinnati R.R. bonds 
St. Louis water bonds 
New York Gas-Light Company stock 
United Railroad of New Jersey stock 
Chicago and Alton Railroad stock . 
Twenty-third Street Railroad stock . 
Clev., Col., Cin., and Ind. R.R. stock 
Michigan Central Railroad stock 
Lake Shore and Michigan So. R.R. stock 
Metropolitan Elevated Railroad stock 
Chicago, Mil., and St. Paul R.R. bonds 
New York, Lake Erie, and W. R.R. bonds 
Metropolitan Elevated Railroad bonds 
Michigan Central Railroad stock . 
Illinois Central Railroad stock 
Chicago and Alton Railroad stock . 
Chicago and North- Western R.R. bonds 
United States bonds 



Market value. 

$22,000 00 ^ 

1,000 00 

7,000 00 

40,000 00 

225,000 00 )- 

12,000 00 
104,000 00 
36,000 00 
10,000 00 
25,000 00 
19,500 00 
37,000 00 
18,700 00 
18,000 00 
5,000 00 
11,400 00 
7,380 00 
7,950 00 
13,500 00 
9,000 00 
74,000 00 
20,000 00 
10,000 00 J 
175,000 00 
25,000 00 
2,000 00) 
12,000 00 C 
12,000 00) 
15,000 00 ) 
3,000 00 > 
443,200 00 



Loaned thereon. 



$300,000 00 



)- 225,000 00 



150,000 00 
18,000 00 

22,000 00 

15,000 00 
401,900 00 



.,499,630 00 $1,187,900 00 



Summary of Assets Dec. 31, 1880. 
Cash value of unencumbered real estate . $250,000 00 
Stocks, bonds, etc., as per schedule . 8,983,558 00 

Loans on collat. security, as per schedule . 1,187,900 00 
Cash in the office of the company, and 
deposited in bank .... 
Notes taken for marine and inland risks . 



Cash in hands of English bankers 



337,977 37 
1,628,921 34 
220,000 00 



Gross assets 



Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 



$12,608,356 71 



Liabilities. 



$117,328 71 

1,607,242 60 

73,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



159 



Unearned premiums on outstanding risks, $1,587,534 47 

Unpaid scrip ordered to be redeemed . 205,000 00 

Interest due or accrued on scrip . . 38,337 55 

Return premiums ..... 194,357 94 

Miscellaneous . . . . . . 13,525 25 

Gross liabilities, except scrip . . 

Surplus as regards policy-holders . . . 
Scrip outstanding . . 

Surplus over scrip ...... 

Income. 

Cash rec'd for marine and inl'd premiums, $4,142,984 41 
Deduct re-insurance and return prem's . 591,714 36 

Net cash rec'd for marine and inl'd prem's, ■ — - 

Unpaid premium notes received during 

the year ...... $1,871,19904 

Interest and dividends received from all sources 

Income from rents ........ 

Gross cash income . . . . . ... 



Expenditures. 

Cash paid for marine and inland losses 

for redemption of scrip 
Interest paid scrip-holders .... 
Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals ..... 

Gross cash expenditures .... 
Risks and Premiums. 



Marine risks outstanding Dec. 31, 1879 . $78,022,959 00 
written during 1880 . . 346,223,570 00 



[,836,326 52 



58,772,030 19 
6,923,675 00 

^1, 848,355 19 



Total $424,246,529 00 

Deduct risks expired and terminated . 321,965,455 00 



t,551,270 05 



577,233 20 
14,750 00 

t,143,253 25 



$2,071,238 98 

1,056,755 00 

399,945 60 

23,381 87 

349,535 70 

36,880 72 

30,773 57 

$3,968,511 44 



Premiums. 

|S1,495,947 23 
4,232,675 04 

£5,728,622 27 
4,141,087 80 



In force at end of year . . . $102,281,074 00 $1,587,534 47 

Miscellaneous. 
Scrip dividends declared during the year . . . $1,329,920 00 



160 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



BUFFALO INSURANCE COMPANY, BUFFALO, N.Y. 

[Incorporated July 15, 1874. Commenced business July 17, 1874.] 
Paid-up Capital $200,000. 
Pascal P. Pratt, President. Edward B. Smith, Secretary. 

Summary of Assets Dec. 31, 1880. 



United States bonds .... 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) . 
Notes taken for marine and inland risks 
Treasury warrants ..... 
Gross assets 

Liabilities. 

Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$202,000 00 

375 00 

48,067 08 

1,666 67 

2,797 57 

3,675 50 

425 75 



$8,438 78 

15,213 36 

7,144 26 

$30,796 40 
17,187 02 

$13,609 38 
38,897 68 



Income. 

Cash received for fire premiums . . . $83,409 63 

Deduct re-insurance and return premiums . 11,354 26 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums . $186,134 85 

Deduct re-insurance and return premiums . 115,815 73 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the 

year $6,473 07 

Interest and dividends rec'd from all other sources . 

Received for calls on capital .... 30,000 00 



$259,007 57 



52,507 06 



$206,500 51 
200,000 00 

$6,500 51 



$72,055 37 
70,319 12 
10,978 67 



Gross cash income . . . ..... $153,353 16 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 



$58,464 91 
3,826 40 

$158,3S1 61 
84,197 95 



$54,638 51 



74,183 66 



1880.] 



INS. COS. OF OTHER STATES. 



161 



Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . . . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 



Net amount in force 

Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (5 per cent) 
Fire losses incurred during the year . . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$17,000 00 

28,328 17 

5,000 00 

2,706 69 

4,919 27 

1186,776 30 

Premiums. 

$66,558 70 
81,945 39 

$148,504 09 
74,406 60 

$74,097 49 
3,105 19 

$70,992 30 

$4,732 10 
185,658 62 

$190,390 72 
172,397 46 

$17,993 26 
11,420 40 

$341,690 00 $6,572 86 



$6,942,535 00 
9,339,489 00 

$16,282,024 00 
8,810,450 00 

$7,471,574 00 
258,549 00 

$7,213,025 00 

$106,727 00 
42,875,944 00 

$42,982,671 00 
42,346,571 00 

. $636,100 00 
. 294,410 00 



,004,317 37 

709,468 52 

112,000 00 

10,000 00 

48,129 71 

81,913 86 

106,500 00 



BUFFALO GERMAN INSURANCE COMPANY, BUFFALO, N.Y. 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital, $200,000. 

Philip Beckeh, President. Oliver J. Eggert, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 
$32:5,000 00 $337,787 50 



I Fnited States bonds . 
Lake Shore and Michigan Southern R..R. 
iEtna [nsurance Company, New York 
City warrants ...... 



I.Ms, 



25,000 00 

10,000 00 

213 00 



25,000 00 

1,600 00 

213 00 



21 



1,218 oo 8364,600 50 



162 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



Citizens' Gas Company bonds 

Third National Bank (Buffalo) stock 

German Bank (Buffalo) stock 

Toledo city water bonds .... 

Union Fire Insurance Co. stock (Buffalo) 



Market value. Loaned thereon. 

$23,023 00 $20,000 00 

XSo } Woo 

3,300 00 2,646 67 
2,000 00 1,800 00 



$39,323 00 $34,446 67 



Summary of Assets Dec. 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc, as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company 
deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Rents due and accrued .... 
Gross assets f . 

Liabilities. 

Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted . . 
Unearned premiums and outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



31,1880. 

$275,000 00 

36,270 00 

189 35 

364,600 50 

34,446 67 

1,716 76 

70,872 18 

437 50 

38,824 87 

2,762 40 

312 50 



$3,121 26 

5,995 00< 

3,750 00 

163,775 34 

4,719 60 



525,432 73 



- 181,361 20 

. $644,071 53 
. 200,000 00 



Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Unpaid premium notes received during the 
year . . . . . . 

Interest received on bonds and mortgages 



. $444,071 53 



$309,176 41 
32,842 93 



^2,762 40 



and dividends received from all other sources 



$276,333 48 



2,252 73 

19,975 87 



* Value of lands mortgaged . . . . . . $60,570 00 

Value of buildings thereon 43,175 00 

Amount of insurance held as collateral . . . 42,950 00 

f Including $200,000 special reserve fund, held under New York law. 



1880.] 



INS. COS. OF OTHER STATES. 



163 



Income from rents $12,720 35 

from brokerage, etc. . . . .... 1,462 48 



£2,469 76 
991 56 



Gross cash income ....... 

Expenditures. 

Cash paid for fire losses $143,316 20 

Deduct salvage and re-insurance . . . 750 80 

Net cash paid for fire losses . 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for expenses on real estate 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1879. . $28,461,188 
written during 1880 . . 32,006,450 

Total $60,467,638 

Deduct risks expired and terminated . 28,131,652 

In force at end of year .... $32,335,986 
Deduct amount re-insured . . . 468,485 

Net amount in force 



$312,744 91 



$142,565 40 



1,478 20 
30,000 00 
53,168 87 
14,491 65 
6,727 86 
6,738 60 
14,163 59 

$269,334 17 



Premiums. 

00 $271,116 21 
00 309,040 96 



00 $580,157 17 
00 258,132 11 



00 $322,025 06 
00 4,377 08 



$31,867,501 00 $317,647 98 



Marine risks outstanding Dec. 31, 1879 . $38,075 

written during 1880 . . 39,250 

Total $77,325 

Deduct risks expired and terminated . 77,325 

Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (15 per cent) . 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year . 
Company's stock owned by directors .... 



00 $321 95 

00 179 03 



00 
00 



$500 98 
500 98 



$2,265,503 69 

975,168 42 

315,925 00 

30,000 00 

134,432 56 

1,894 31 

67,000 00 



164 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



CITIZENS' INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April, 1836. Commenced business April, 1837.] 

Paid-up Capital, $300,000. 

James M. McLean, President. Edward A. Walton, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value 

United States bonds .... 
Virginia state bonds .... 
Lake Shore and Mich. Southern R.R. bonds 
Union Trust Company stock . 
Citizens' National Bank stock 



$300,000 00 $336,562 50 

10,000 00 1,800 00 

50,000 00 64,000 00 

10,000 00 19,000 00 

24,500 00 26,950 00 



$394,500 00 $448,312 50 



Securities held as collateral for cash loans: — 



Manhattan Life Insurance Company stock 

Citizens' National Bank stock 

Butchers' and Drovers' National Bank stock 

Third Avenue Railroad stock . 

New York Central Railroad debt certificates 

Union Trust Company stock . 

St. Louis, Kan. City, and Nebraska R.R. b'ds, 

Lafayette, Bloomington, and Muncie R.R. b'ds, 

Delaware, Lackawanna, and W. R.R. stock 

Chicago, Rock Isl'd, and Pacific R.R. stock 

Illinois Central Railroad stock 

Lake Shore and Mich. Southern R.R. stock 

Rensselaer and Saratoga Railroad stock . 

Chicago, Burlington, and Quincy R.R. stock 



Mai-ket value. 

$3,500 00 

1,375 00 

1,102 50 

2,975 00 

4,400 00 

9,500 00 

12,320 00 

31,950 00 

110,000 00 

27,600 00 

12,700 00 

53,600 00 

12,500 00 

18,000 00 



Loaned thereon. 

$1,500 00 

1,000 00 

900 00 

1,500 00 

3,250 00 

4,000 00 

10,000 00 

25,000 00 

' 100,000 00 
' 50,000 00 
I 25,000 00 



$301,522 50 $222,150 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in National Citizens' Bank 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Premiums more than three months due, $537 19 
Gross assets ...... 



$130,000 00 

109,952 05 

767 24 

448*312 50 

222,150 00 

10,099 62 

25,846 04 

2,037 14 

18,043 09 

691 67 



$967,899 35 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$274,000 00 

173,500 00 

85,750 00 



1880.] 



INS. COS. OF OTHER STATES, 



165 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 
Return premiums . . . . . 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 
Scrip outstanding not ordered to be redeemed, 

Surplus over capital . . . 



$8,645 00 

4,000 00 

156,784 16 

336 70 

1,667 00 

2,506 63 

350 00 

$174,289 49 



.50,000 00 



$793,609 86 
300,000 00 

$493,609 86 



Income. 

Cash received for fire premiums . . . $304,260 66 
Deduct re-insurance and return premiums . 38,077 97 

Net cash received for fire premiums . . $266,182 69 

Interest received on bonds and mortgages . . . . 9,972 76 

and dividends received from all other sources . . 26,651 37 

Income from rents 4,656 60 

Gross cash income . . $307,463 42 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$153,440 33 
7,990 56 



$145,449 77 
70,431 20 
36,820 25 
53,455 04 
3,758 83 
19,880 16 

$329,795 25 



Fire risks outstanding Dec. 31, 1879 



written durring 1880 



Risks and Premiums. 

Premiums. 

$40,665,208 00 $274,858 82 
55,405,205 00 308,406 98 



Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$102,070,413 00 $583,265 80 
51,341,887 00 267,467 06 



$50,728,526 00 $315,798 74 
1,424,401 00 8,972 0G 



$19,301,005 00 $306,826 68 



166 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (23|- per cent) 
Fire losses incurred during the year . 
Company's stock owned by directors . . ' . 



$6,126,687 82 

2,685,181 94 

1,508,550 00 

70,500 00 

142,128 82 

69,760 00 



CITIZENS' INSURANCE COMPANY, ST. LOUIS, MO. 

[Incorporated Feb. 2, 1837. Commenced business 1837.] 

Paid-up Capital, $200,000. 

E. O. Stanard, President. John P. Harrison, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



Missouri State bonds . . 

North Missouri Railroad bonds 
St. Louis Chamber of Commerce bonds 
East St. Louis Elevator bonds 



Par value . Mark et value . 

5,000 00 $102,900 00 

100,000 00 125,000 00 

22,000 00 22,000 00 

90,000 00 94,500 00 



$310,000 00 $344,400 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bouds, etc., as per schedule 
Cash in the office of the company . 

deposited in Commercial National Bank . 
Premiums in course of collection (gross) . 

Gross assets 

Liabilities. 
Losses adjusted, unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$19,000 00 

14,700 00 

556 35 

344,400 00 

3,927 97 

2,535 83 

10,494 00 



$7,639 00 

6,717 00 

700 00 

34,902 00 
2,102 30 



$395,614 15 



52,060 30 

. $343,553 85 
. 200,000 00 



Surplus over capital 



. $143,553 85 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance lield as collateral 



$16,000 00 
15,000 00 
11,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



167 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash rec'd for marine and inland premiums 

Deduct re-insurance and return premiums 

Net cash rec'd for marine and inl'd premiums, 

Interest received on bonds and mortgages 



,368 57 
8,310 01 

$,224 15 
1,068 43 



$72,058 56 



8,155 72 
23,085 83 



Gross cash income . . . . .... $103,300 11 



Expenditures. 
Cash paid for fire losses ..... 
paid for marine and inland losses . 
dividends paid . 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals . . . . 

Gross cash expenditures . 

Risks and Premiums. 



$61,635 63 

14,073 34 

20,000 00 

13,526 34 

8,500 00 

7,167 82 

7,060 91 



. $131,964 04 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks written during 1880 . 
Deduct risks expired and terminated 



Premiums. 

£6,692,591 00 $89,041 75 
8,135,947 00 72,058 56 



$14,828,538 00 $161,100 31 
9,354,863 00 89,595 66 



1,473,675 00 $71,504 65 
141,000 00 1,293 10 



$5,332,675 00 $70,211 55 



$1,450,235 00 
1,450,235 00 



$8,155 72 
8,155 72 



Miscellaneous. 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$2,583,980 00 

641,798 00 

20,000 00 

58,162 00 

14,573 00 

128,000 00 



168 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



CITY FIRE INSURANCE COMPANY OF THE CITY OF NEW 

YORK, N.Y. 

[Incorporated .April 26, 1833. Commenced business June 6, 1833.] 
Paid-up Capital, $210,000. 

Samuel Townsend, President. David J. Blauvelt, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

1700 shares Tradesmen's National Bank . $68,000 00 $72,080 00 

200 " N.Y. Cent, and Hudson R. R.R. . 20,000 00 30,800 00 

United States bonds ..... 130,000 00 146,250 00 



1218,000 00 $249,130 00 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $127,750 00 

Interest due or accrued thereon . . . 3,276 66 

Stocks, bonds, etc., as per schedule . . 249,130 00 

Cash in the office of the company . . . 711 95 

deposited in various banks . . . 35,106 05 

Interest due and accrued .... 7,672 49 

Premiums in course of collection (gross) . 1,413 19 
Prem's more than three months due, $50 46 

Gross assets ...... 



Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
State and local taxes .... 
Commissions and brokerage . . . 
Return premiums . . . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital . . . 



Surplus over capital . 



$199 09 

22,937 55 

891 66 

5,600 00 

202 60 

2 12 



$425,060 34 



29,833 02 

$395,227 32 
210,000 00 

$185 227 32 



Income. 
Cash received for fire premiums . . . $43,985 09 
Deduct re-insurance and return premiums . 1,838 79 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
and dividends received from all other sources . 



$42,146 30 

8,687 76 

13,156 62 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$131,200 00 
135,300 00 
118,850 00 



1880.] 



INS. COS. OF OTHER STATES. 



169 



Income from rents . 

from sale of real estate 



$300 00 
1.303 43 



Gross cash income . . . . .... $65,594 11 



Expenditures 

Cash paid for fire losses . . . . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid . . . 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for rent . . . 

for incidentals 

Gross cash expenditures . 



Risks and Premiums. 



$19,016 81 
478 69 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . . . ' . 
Deduct risks expired and terminated 

In force at end of year . . 
Deduct amount re-insured 

Net amount in force 



$10,709,173 00 
12,445,146 00 

$23,154,319 00 
11,905,403 00 

$11,248 916 00 
91,250 00 



$18,538 12 

21,000 00 

4,576 30 

13,952 66 

259 57 

4,750 00 

2,324 17 

$65,400 82 



Premiums. 

$44,747 37 
43,915 41 

$88,662 78 
41,708 27 

$46,954 51 
326 10 



$11,157,666 00 $46,628 41 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 

Company's stock owned by directors . 



$2,871,624 49 

1,317,177 23 

1,618,800 00 

21,000 00 

12,458 73 

36,470 00 



CLINTON FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated July 11, 1850. Commenced business July 11, 1850.] 

Paid-up Capital, $250,000. 

James B. Ames, President. C. E. W. Chambers, Secretary pro lem. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value 

United States bonds .... 
Dataware and Hudson Canal Company bonds 
New Jersey Central Railroad bonds 
22 



$250,000 00 $288,745 00 

40,000 00 43,400 00 

2,000 oo 2,080 00 



170 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



300 shares New York Central Railroad . 

90 " New Jersey Central Railroad 
100 " American Exchange National Bank, 

57 " Merchants' National Bank . 



Par value. 

$30,000 00 

9,000 00 

10,000 00 

2,850 00 



Market value. 

$46,500 00 

7,650 00 

11,250 00 

3,420 00 



1343,850 00 $403,045 00 



Summary op Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $26,400 00 

Interest due or accrued thereon . . . 132 00 

Stocks, bonds, etc., as per schedule . . 403,045 00 

Cash in the office of the company . . . 13,505 10 

deposited in American Ex. Nat'l Bank . 3,165 38 

Interest due and accrued . . . . 775 00 

Premiums in course of collection (gross) . 18,611 15 

Gross assets . . . . . . 



$465,633 63 



Liabilities. 

Losses adjusted unpaid ..... $3,800 00 

Unearned premiums on outstanding risks . 75,118 32 

Due and accrued for rent .... 750 00 

Commissions and brokerage .... 3,564 00 

Return premiums ...... 156 10 

Gross liabilities, except capital . . 

Surplus as regards policy-holders .... 
Paid-up capital 



83,388 42 



,245 21 
250,000 00 

Surplus over capital $132,245 21 

Income. 

Cash received for fire premiums . . $169,641 80 

Deduct re-insurance and return premiums . 17,402 14 

Net cash received for fire premiums . . $152,239 66 

Interest received on bonds and mortgages .... 1,817 04 

and dividends received from all other sources . . 19,503 51 



Gross cash income $173,560 21 



Expenditures. 

Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 



$79,949 00 
4,375 03 



$75,573 97 
25,000 00 
27,055 00 
20,422 26 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$35,000 00 
25,000 00 
13,600 00 



1880.] 



INS. COS. OF OTHER STATES. 



171 



Cash paid for state and local taxes . 
for rent and incidentals . 

Gross cash expenditures .... 

Risks and Premiums. 



$3,024 45 
18,222 11 

$169,297 79 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$20,038,625 00 $111,489 87 
23,673,893 00 151,030 05 



$43,712,518 00 $262,519 92 
16,900,365 00 112,509 07 



$26,812,153 00 $150,010 85 
1,062,740 00 6,739 00 



$25,749,413 00 $143,271 85 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . . . . 
Company's stock owned by directors . . . 



52,511,662 16 

1,129,554 93 

960,000 00 

25,000 00 

79,374 97 

82,300 00 



COMMERCE INSURANCE COMPANY, ALBANY, N.Y. 

[Incorporated Juue 1, 1859. Commenced business June 1, 1859.] 

Paid-up Capital, $200,000. 

Adam Van Allen, President. Richard V. DeWitt, Secretary. 



$220,000 00 $289,350 00 
13,300 00 19,950 00 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value 
United States bonds .... 
133 shares First National Bank, Albany 
150 " Nat'l Commercial Bank, Albany 

80 " National Albany Exchange Bank 

50 " Union National Bank, Albany 

37 " New York State Nat'l B'k, Albany, 



15,000 00 
8,000 00 
5,000 00 
3,700 00 



30,000 00 

10,000 00 

5,500 00 

5,550 00 



$265,000 00 $360,350 00 



Securities held as collateral for cash loans: - 

12 shares Albany Railway Company 
65 " Albany Gas-Light Company 
20 " First National Bank, Albany . 
15 " Union National Bank, Albany 



Market value. Loaned thereon. 

$000 00 y 

2,eoo oo - * 1,000 oo 

8,000 00) 

1,0.30 00 1,000 00 



172 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



16 shares First National Bank, Albany . 

40 " iEtna Insurance Company, Hartford, 



Market value. Loaned thereon. 

$2,400 00 $1,200 00 
10,000 00 3,500 00 



Summary of Assets Dec 

Cash value of unencumbered real estate . 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in First National Bank . 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets ..... 



$20,550 00 $10,300 00 

31, 1880. 

$35,000 00 

360,350 00 

10,300 00 

932 71 

18,426 27 

935 37 

2,933 64 

136 67 

$429,014 66 



Liabilities. 

Losses claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
State and local taxes 
Commissions and brokerage . 
Return premiums .... 
Gross liabilities, except capital 

Surplus as regards policy-holder 
Paid-up capital 



Surplus over capital 



Income 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 

Income from rents .... 



Gross cash income 



$6,450 00 
2,500 00 

$8,950 00 
50 00 

$8,900 00 

46,426 38 

500 00 

98 37 

13 53 



- 55,938 28 

. $373,076 38 
. 200,000 00 



)1,601 44 
8,458 65 



$173,076 38 



$83,142 79 

17,931 80 

910 00 

$101,984 59 



Expenditures. 



Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid 



[2,525 96 
1,550 50 



$40,975 46 
20,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



173 



Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for office expenses and building repairs 
for incidentals . . . 

Gross cash expenditures . . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$8,900,899 00 
11,029,188 00 

$19,930,087 00 
9,344,154 00 

$10,585,933 00 
578,386 00 



813,031 80 

11,955 02 

4,056 89 

3,955 57 

4,949 88 

,924 62 



Premiums. 

$77,413 93 
91,601 44 

$169,015 37 
73,513 86 



$95,501 51 
4,377 13 



$10,007,547 00 $91,124 38 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors 



$3,115,789 00 

2,148,772 00 

518,000 00 

20,000 00 

37,655 00 

58,975 00 



COMMERCIAL FIRE INSURANCE COMPANY, 
NEW YORK, N.Y. 

[Incorporated May 15, 1850. Commenced business May 15, 1850.] 

Paid-up Capital, $200,000. 

M. V. B. Fowler, President. D. Quackinbush, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $255,600 00 $323,717 00 



Brooklyn corporation notes 
Long Island city bonds . 
Flushing city bonds 
Elizabeth city bonds 
New York corporation bonds 



33,000 00 
10,000 00 
12,000 00 
20,000 00 
1,000 00 



39,910 00 
10,800 00 
13,440 00 
10,000 00 
1,200 00 



$331,600 00 $399,007 00 



Securities held as collateral for cash loans: — 

Tradesmen's Fire Insurance Company stock . 
Merchants' Exchange Bank .... 



m.ii Lit value. Loaned (hereon. 



$500 00 
8,000 00 



$350 00 

4,000 00 



$8,500 00 $1,350 00 



174 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company and in bank, 
Interest due and accrued .... 

Premiums in course of collection (gross) 

Gross assets ...... 

Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. . 

for borrowed money 
Commissions and brokerage 
Return premiums ..... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 

Income 

Cash received for fire premiums . . . $351,986 54 
Deduct re-insurance and return premiums . 18,811 97 

Net cash received for fire premiums . . 

Cash received for marine and inl'd premiums . $14,801 07 
Deduct re-insurance and return premiums . 3,058 10 

Net cash rec'd for marine and inl'd premiums, 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Discount on losses 



$1,000 00 

54,950 00 

887 83 

399,067 00 

4,350 00 

24,226 80 

3,638 41 

42,591 48 



$11,325 00 

15,880 00 

3,830 00 

173,449 25 

242 00 

500 00 

20,242 87 

8,518 30 

125 02 



Gross cash income ....... 

Expenditures. 

Cash paid for fire losses $243,827 76 

Deduct salvage and re-insurance . . . 1,988 78 

Net cash paid for fire losses .... 

Cash paid for marine and inland losses . . $23,107 04 



$530,711 52 



- 234,112 44 

. $296,599 08 
. 200,000 00 



$96,599 08 



$333,174 57 



11,742 97 
3,646 21 

. 18,789 83 
207 73 

. $367,561 31 



$241,838 98 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$52,000 00 
84,000 00 
56,100 00 



1880.] 



INS. COS. OF OTHER STATES. 



175 



Deduct salvage and re-insurance . . . $637 75 

Net cash paid for marine and inland losses . 

Cash dividends paid . . . . 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for interest on borrowed money 

for rent and incidentals . 



Gross cash expenditures .... 

Risks and Premiums. 



$22,469 29 

19,823 00 

82,065 67 

22,844 75 

4,060 99 

469 77 

18,906 09 

. $412,478 54 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 



$37,406,524 
42,009,514 



Premiums. 

00 $311,574 16 
00 355,419 55 



$79,416,038 
39,050,689 



00 $666,993 71 
00 331,274 49 



$40,365,349 

388,623 



00 $335,719 22 
00 3,069 51 



$39,976,726 00 $332,649 71 



$515,983 
2,263,203 



00 $14,327 77 
00 17,985 51 



$2,779,186 
2,418,719 



00 $32,313 28 
00 22,160 60 



$360,467 00 $10,152 68 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



14,222,937 25 

2,366,625 57 

816,000 00 

20,000 00 

245,903 52 

22,469 29 

93,350 00 



COMMERCIAL MUTUAL INSURANCE COMPANY, 
NEW YORK, N.Y. 

[Incorporated April, 1842. Commenced business May, 1852.] 

W. I. COMES, /'resit lent.. HENRY D. KlNO, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bonds $411,000 00 $423,588 76 

American Exchange Bans stock . . . 20,000 00 24,200 00 
Market Bank stocs 2,500 00 2,950 00 



176 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Corn Exchange Bank stock 

Bank of the State of New York stock 

Park Bank stock . . • . 

Bank of New York stock 

Gallatin National Bank stock . 

Continental Bank stock . . . . 

Merchants' Bank stock . 

St. Nicholas Bank stock . 

Bank of Commerce stock 

Bank of America stock . 

Nassau Bank stock .... 

Bank of North America stock . 

Metropolitan Bank stock 

Mechanics' Banking Association stock 

Brooklyn city water bonds 

Newark city bonds . . . 

Louisville city bonds 

Erie Railroad bonds 

Morris and Essex Railroad bonds . 

Warren Railroad bonds . 

Delaware, Lackawanna, and W. R.R. bonds 

New York City Insurance Company stock 

Coast Wrecking Company stock 

Atlantic Mutual Insurance Company scrip 

Union Mutual Insurance Company scrip . 

Delaware and Hudson Canal Company bonds 

Detroit, G. H., and Milwaukee R.R. bonds 



Par value. 

$4,000 00 

1,600 00 

10,000 00 

3,700 00 

3,300 00 

5,000 00 

6,200 00 

7,500 00 

5,400 00 

1,S00 00 

5,000 00 

4,690 00 

5,600 00 

10,000 00 

5,000 00 

13,000 00 

15,000 00 

15,000 00 

43,000 00 

9,000 00 

5,000 00 

1,100 00 

4,500 00 

6,945 00 

282 24 

15,000 00 

900 00 



Market 'value. 

$6,200 00 

1,824 00 

14,000 00 

5,180 00 

4,488 00 

5,900 00 

8,060 00 

8,100 00 

7,722 00 

2,520 00 

5,050 00 

4,690 00 

8,400 00 

8,000 00 

5,000 00 

14,880 00 

16,350 00 

16,237 50 

49,655 00 

9,900 00 

6,200 00 

770 00 

450 00 

7,361 70 

141 12 

17,650 00 

675 00 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule 
Loans on collateral security 
Cash deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Re-insurance due .... 
Gross assets .... 



$641,017 24 $686,138 07 

31, 1880. 

$686,138 07 

5,000 00 

55,040 90 

3,613 59 

11,513 31 

60,808 27 

20,233 99 

$842,34S 13 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
State and local taxes .... 
Re-insurance premiums due . 



$30,798 24 
7,150 00 
76,045 42 
6,459 20 
7,513 51 
3,200 77 
791 56 



1880.] 



INS. COS. OF OTHER STATES. 



177 



Return premiums, etc. . 

Gross liabilities, except scrip . 

Surplus as regards policy-holders 
Scrip outstanding not ordered to be redeemed 



1,773 06 



Surplus over scrip 



Income. 



Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash received for marine and inland premiums, 

Deduct re-insurance and return premiums 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during* the 

year 

Interest and dividends received from all sources 
Income from all other sources .... 



134,140 17 
3,089 09 

$260,722 52 
91,445 42 



$50,606 04 



Gross cash income 



Expenditures. 



Cash paid for fire losses . . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . . . . 

Cash paid for marine and inland losses . 

Deduct salvage and re-insurance . . 

Net cash paid for marine and inland losses 

Cash paid for redemption of scrip . 

Interest paid scrip-holders . 

Cash paid for commissions and brokerage 

for salaries of officers and employes 

for incidentals . 

Gross cash expenditures . 



$26,495 02 
5,796 51 

$152,359 74 
54,144 45 



$138,761 76 



$703,586 37 
599,190 00 

$104,396 37 



$31,051 08 



169,277 10 



37,533 34 
10,188 99 

$248,050 51 



$20,698 51 



98,215 29 

35,850 00 
36,882 30 
14,269 01 
21,718 10 
26,500 12 

. $254,133 33 



Fire risks outstanding Dec. 31, 1879 



written during 1880 



Risks and Premiums. 

Premiums. 

$4,053,550 00 $24,02(5 36 
5,977,901 00 34,416 96 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

23 



$10,031,451 00 $58,443 32 
. 5,160,421 00 26,222 74 



$4,871,030 00 $32,220 5b 

. 171,310 oo 852 75 



$4,606,720 oo $31,367 83 



178 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 3 1 , 1S79 
■written during 1SS0 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums*. 

$0,125,323 00 $60,852 71 
24,269,421 00 259,990 S3 



$30,414,7-14 00 $320.SIG 57 
23,711,514 00 256,299 40 



$0,703,230 00 $64,547" 17 
131,213 00 4,185 G7 



$6,572,017 00 $00,3G1 50 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Fire losses incurred during the year 
Marine and inland losses incurred during the year 



112,734,143 75 

. 7,521,615 31 

19,700 67 

. 110,363 51 



CONNECTICUT FIRE INSURANCE COMPANY, HARTFORD, 

CONN. 

[Incorporated June, 1850. Commenced business July, 1850.] 
Paid-up Capital, $1,000,000. 
J. D. Browne, President. Charles R. Burt, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bonds $310,000 00 $319,700 00 

Connecticut state bonds 16,000 00 16,640 00 

New Britain city water bonds . . . 15,000 00 15,750 00 

Hartford city bonds 16,000 00 17,120 00 

Columbus (O.) city bonds .... 5,000 00 5,000 00 

Middletown (Conn.) city bonds, 7s . . 20,000 00 20,000 00 

Newark (O.) city bonds 4,500 00 4,500 00 

Toledo Board of Education bonds . . . 10,000 00 10,500 00 

Erie city consolidated bonds .... 10,000 00 10,300 00 

Michigan Central Railroad bonds . . . 20,000 00 25,200 00 

Chicago and Iowa Railroad bonds . . . 20,000 00 18,000 00 

New York, New Haven, and II. R.R. bonds . 40,000 00 46,000 00 

Erie Railway gold consols .... 20,000 00 25,800 00 

Canada Southern Railroad bonds . . . 50,000 00 52,000 00 

Broadway and Seventh Avenue R.R. bonds . 20,000 00 20,200 00 

Tiffin (O.) Gas Company bonds . . 25,000 00 25,000 00 

Quincy, A., and St. Louis R.R. bonds . . 20,000 00 19,000 00 

100 shares Boston and Albany R.R. stock 1-0,000 00 16,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



179 



300 si 


lares 


500 


a 


500 


it 


300 


a 


230 


a 


1SS 


it 


272 


a 


300 


u 


185 


(( 


100 


(( 


150 


it 


93 


it 


100 


it 



Tar value. Market value. 

Pitts;, Ft. W., and Chic. R.R. st'k, $30,000 00 $37,500 UO 

N T .Y.,N.IIav., and Hart. II. 11. st'k, 50,000 00 85,000 00 

Chicago, Burl , and Q. R.R. stock, 50,000 00 87,500 00 

Imp. and Traders' N'l B'k st'k, N. Y. 30,000 00 72,000 00 

Fulton Xat'l Bank st'k, New York, 0,900 00 9,200 00 

Far. and Mech. N'l B'k st'k, Hart. IS, 800 00 23,S76 00 

National Exch'ge Bank st'k, Hart. 13,000 00 20,072 00 

Hartford Nat'l Bank stock, Hart. . 30,000 00 48,900 00 

First National Bank stock, Hart. . 18,500 00 22,755 00 

.Etna National Bank stock, Hart. . 10,000 00 13,200 00 

Phoenix National Bank stock, Hart. 15,000 00 25,050 00 

Charter Oak Nat'l B'k st'k, Hart. 9,300 00 12,834 00 

Chicago, Iowa, and Neb. Railroad, 10,000 00 14,000 00 



$923,000 0081,139,797 00 



Securities held as collateral for cash loans: — 



N. Y., New Haven, and Hartford R.R. stock 
N. Y., New Haven, and Hartford R.R. stock 
Middlesex County National Bank stock . 
Chicago, Burlington, and Quincy R.R. stock 
Connecticut Fire Insurance Company stock 
Orient Insurance Company stock . 
Wabash, St. Louis, and Pacific R.R. stock 
Clev., Col., Cin., and Indianap. R.R. stock 
Hannibal and St. Joseph Railroad stock 
Delaware and Hudson Canal Company stock 
"Wells, Fargo, & Company stock 
Adams Express Company stock 
Pacific Mail Steamship Company stock . 
United States Express Company stock . 
Continental Insurance Company stock . 



2,200 00 

1,000 00 
400 00 



Market value. Loaned thereon. 

$3,910 00 $1,850 00 

2,550 00 

1,500 00 

1,800 00 
700 00 
500 00 

6,970 001 

9,500 00 

9,000 00 
27,000 00 

23,200 00 }■ 70,171 55 
16,800 00 

5,000 00 
20,800 00 

4,300 00 J 



$134,802 00 $75,027 55 



Summary of Assets Dec. 31, 18S0. 
Loans on mortgage of real estate (first liens *), $191,950 00 
Stocks, bonds, etc., as per schedule . . 1,139,797 00 



Loans on collateral security as per schedule 
Cash in the odice of the company . 

deposited in National Exchange Bank 
Premiums in course of collection (net) . 
Gross assets ..... 
Deduct special deposits in other states . 

Balance 



75,627 55 

2,009 05 

181,239 26 

42,759 36 



■$1,636,382 82 
. 110,000 00 

81,526,882 82 



* Value of land* mortgaged 
Value of icon 

Axuouiit of ia«uratitx> uoiu a* ooiiuOOi-A: 



$266,000 00 
261,500 00 
267,1*0 00 



180 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses claimed and reported .... $50,204 11 
disputed or resisted .... 7,550 00 

Total amount of losses .... $57,754 11 
Less re-insurance . . . . . . 2,916 33 

Net amount of unpaid losses .... $54,837 78 
Unearned premiums on outstanding risks . 293,822 10 

Gross liabilities, except capital . . $348,659 88 

Deduct liabilities on special deposits . . 38,399 31 

Surplus as regards policy-holders $ 

Paid-up capital 

Surplus over capital . . ..... 

Income. 
Cash received for fire premiums . . . $589,724 52 

Deduct re-insurance and return premiums . 81,852 54 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 

Gross cash income ........ 

Expenditures. 
Cash paid for fire losses $284,371 96 

Deduct salvage and re-insurance . . . 23,237 93 

Net cash paid for fire losses 

Cash dividends paid .... 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 



written during 1880 



$41,968,631 00 
63,053,127 00 



Total 

Deduct risks expired and terminated 

In force at end of vear . . . 



$105,021,758 00 
51,310,398 00 



. $53,711,360 00 

Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors . 



$310,260 57 



51,216,122 25 
1,000,000 00 



$216,122 25 



$507,871 98 
7,731 40 

77,45S 29 

$593,061 67 



$261,134 03 

100,000 00 

93,957 81 

21,834 23 

9,058 95 

23,073 31 

$509,058 33 

Premiums. 

$457,466 75 
604,136 59 



,061,603 34 

487,285 28 



$574,318 06 

$3,289, 52S 28 
1,598,995 45 
715,000 00 
100,000 00 
275,425 81 
175,800 00 



1880.] 



INS. COS. OF OTHER STATES. 



181 



CONTINENTAL INSURANCE COMPANY, NEW YORK. 

[Incorporated November, 1852. Commenced business January, 1853.] 

Paid-up Capital, $1,000,000. 

George T. Hope, President. Cyrus Peck, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

250 shares American Exchange Nat'l Bank . $25,000 00 $31,250 00 

69 " Bank of America . . . . 6,900 00 9,660 00 

50 " Bowery National Bank . . . 5,000 00 7,250 00 

1200 " Mechanics' National Bank . . 30,000 00 45,000 00 

350 " Merchants' National Bank . . 17,500 00 23,100 00 

250 " Mercantile National Bank . . 25,000 00 25,750 00 

200 " Metropolitan National Bank . 20,000 00 30,000 00 

100 " Nassau Bank .... 10,000 00 10,000 00 

700 " Phenix National Bank . . . 14,000 00 14,700 00 

180 " St. Nicholas National Bank. . 18,000 00 20,700 00 

200 " Central Trust Company . . 20,000 00 32,000 00 

20 " N. Y. Guar, and Indemnity Co. . 2,000 00 2,500 00 

1500 " New York and Harlem R.R. Co. . 75,000 00 142,500 00 

Erie Railroad bonds . . . . . 50,000 00 05,000 00 

Chicago and North- Western S. F. bonds . 50,000 00 55,000 00 

Chicago, Milwaukee, and St. Paul R.R. bonds, 50,000 00 55,500 00 

Cedar Rapids, Iowa Falls, and N. W. R.R. b'ds, 50,000 00 51,000 00 

Morris and Essex Railroad bonds . . . 50,000 00 62,500 00 

Chicago, St. Paul, Minn., and O. R.R. bonds, 50,000 00 53,000 00 

Albany and Susquehanna Railroad bonds . 25,000 00 27,000 00 

Alabama state bonds ..... 10,000 00 7,300 00 

South Carolina state bonds . ' . . . 11,500 00 11,960 00 

Tennessee state bonds 26,000 00 13,000 00 

United States bonds . .... 900,000 00 1,188,020 00 



$1,540,900 00$1,983,690 00 



Securities held as collateral for cash loans: — 

16 shares Hanover National Bank 

19 " Metropolitan National Bank . 
15 " American Exchange National Bank 
80 " Nassau Bank .... 

250 " Central Trust Company . 

20 " Pittsburg, Ft. W., and Chicago K R 
150 ' l Brooklyn City Railroad . 

10 " United States Trust Company 
80 " Mechanics' Bank of Brooklyn 
700 " Western Union Telegraph Co. 
500 " Lake Shore and Michigan So. I J . I f 
800 tl Atchison and Simla F4 Railroad 
Lehigh and Wiikesbarre Coal Company bonds, 



Market value. 

$1,920 00 
2,850 00 
1,875 00 
S,000 00 
37,500 00 
2,500 00 
2,475 00 
3,600 00 
2,7i)0 00 
56,700 00 ) 
07, 5(M» 00 ' 
45,000 00 
21,000 00 J 



Loaned thereon. 
$500 00 

1,017 58 

750 00 

6,800 00 

25,000 00 

500 00 

1,100 00 

1,600 00 

1,200 00 

)- l5o,(H)i) 00 



182 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



200 shares Chicago, Rock Isl'd, and Pacific R.R. 
200 " Chicago, Burlington, and Q R.R. . 

50 " Hannibal and St Joseph Railroad . 
100 " N. Y. Cent, and Hudson 11. R.R. . 

30 " Michigan Central Railroad 
Union Pacific Railroad bonds .... 



Market value. Loaned thereon. 

$27, GOO 001 
3G,000 00 

5,150 00 
15,400 00 
37,500 00 

5,G00 00 



^100,000 00 



$380,870 00 $288,467 58 



Summary of Assets Dec. 31, 1SS0.* 
Cash value of unencumbered real estate . . $65S,500 00 
Loans on mortgage of real estate (first liens f), 588,550 00 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks . • 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued . . 
Premiums more than three 

months due .... $41,029 13 

Gross assets J . 
Deduct special deposits in other states . 

for possible future decline of market 
values .«•••• 



15,05G G3 

1,983, G90 00 

288,467 58 

2,673 73 

233,463 23 

10,398 18 

147,920 0G 

10,000 00 



Balance 



Liabilities, 



Losses claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance ..... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 



— $3,93S,719 41 

$33,250 00 

50,000 00 
— S3,250 00 



$3,S55,4G9 41 



$229,663 64 
21,600 00 

$251, 2G3 04 
6,653 93 

$244,609 71 

1,346,195 09 

14,088 00 

6,783 06 



* The company holds, also, instalment premium notes to the amount of $1,190,324.17, 
which do not enter into nor form any part of the assets of the company, as no portion of 
them is earned. Whatever value is attached to them would necessarily he counterbalanced 
by the addition of an exactly equal amount to the re-insurance liability, the entire sum con- 
sisting of "unearned premiums." 

t Value of lands mortgaged $S67,450 00 

Value of buildings thereon 1,003,200 00 

Amount of insurance held as collateral . . . 562,300 00 
J Including $500,000 special reserve fund, held under -New York law. 



1880.] 



INS. COS. OF OTHER STATES. 



183 



Dividends to stockholders unpaid . 
Commissions and brokerage . 



#907 18 
20,000 00 



Gross liabilities, except capital and scrip, $1,032,583 G4 
Deduct liabilities on special deposits . . 23,303 20 



$1,G09,2S0 38 



Surplus as regards policy-holders 

Paid-up capital $1,000,000 00 

Scrip outstanding not ordered to be redeemed, 79,929 00 



$2,216,189 03 



1,079,929 00 

Surplus over capital and scrip .... $1,1GG,260 03 

Income. 
Cash received for fire premiums . . $1,908,009 55 

Deduct re-insurance and return premiums . 209,538 77 

Net cash received for fire premiums . . $1,098,470 78 

Cash received for marine and inland premiums, $79,2 17 78 

Deduct re-insurance and return premiums . 18,117 48 

Net cash rec'd for marine and inland premiums, 

Interest received on bonds and mortgages 

and dividends received from all other sources . 

Income from rents 



$797,528 73 
27,223 95 



Gross cash income .... 

Expenditures, 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses .... 

Cash paid for marine and inland losses . . $32,09S 20 
Deduct salvage and re-insurance . . . G99 25 

Net cash paid for marine and inland losses . 

Cash dividends paid ..... 

paid for redemption of scrip . 
Interest paid scrip-holders .... 
Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 



- 01,130 30 
40,GS5 02 

. 104,509 59 
41,397 04 

$1,946,192 73 



$770,304 78 



Gross cash expenditures .... 
Risks and Premiums. 



31,399 01 

137,150 78 

701 00 

149 JO 

303,023 40 

205,054 27 

43,011 09 

131,539 40 

$1,027,142 19 



Fire risks outstanding Dec. 31, 1S79 
written during 1SS0 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



rreminms. 
$272,924,515 00 $2,211,431 45 
252,093,814 00 1,705, OSS 62 



$525,018,329 00 $3,977,120 07 
207, 221, SOS 00 1,376,841 00 



$317,793,521 00 $2,000,279 07 
9,211,181 00 67,217 81 



8308,582,337 0u $2,533,001 23 



184 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Premiums. 

Marine risks written during 1880 . . $23,700,586 00 $79,247 78 
Deduct risks expired aud terminated . 23,512,406 00 76,425 15 



In force at end of year . 
Deduct amount re-insured 

Net amount in force 



. $188,180 00 $2,822 63 
40,000 00 354 60 



$148,180 00 $2,468 03 



Miscellaneous. 



Premiums received from organization of company . 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year .... 

Fire losses incurred during the year . 

Marine and inland losses incurred during the year 

Company's stock owned by directors ... 



$22,278,237 75 

11,745,768 31 

3,288,747 36 

137,750 00 

797,622 84 

49,060 78 

258,900 00 



DELAWARE MUTUAL SAFETY INSURANCE COMPANY, 

PHILADELPHIA, PENN. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835.] 

Paid-up Capital, $300,000. 

Thomas C. Hand, President. Henry Lylbtjrn, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

$237,400 00 $273,010 00 



Pennsylvania state bonds 

Philadelphia city bonds 

New Jersey state bonds 

Boston city bonds . 

St. Louis city bonds 

Cincinnati city bonds 

Columbus city bonds 

United States bonds 

Tennessee state bonds 

391 shares Pennsylvania Railroad 

American Steamship Co. bonds, guaranteed 

Wm. Cramp & Sons' dry dock mort. bonds 

Stocks and scrip of sundry corporations . 



100,000 00 

237,000 00 

100,000 00 

100,000 00 

50,000 00 

25,000 00 

6,500 00 

44,000 00 

19,550 00 

40,000 00 

26,000 00 

13,553 00 



123,425 00 

265,440 00 

125,000 00 

109,000 00 

58,375 00 

26,750 00 

7,150 00 

14,740 00 

24,242 00 

42,000 00 

26,000 00 

3,105 00 



&999,003 00$1,09S,237 00 



Securities held as collateral for cash loans: — 

Iron Mountain Car Trust Certificate 

25 shares Bank of North America . . . i 

50 " Philadelphia Trust Company . . . f 



Market value. Loaned thereon. 
$30,000 00 $27,000 00 

13,500 00 10,000 00 



$43,500 00 $37,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



185 



Summary of Assets Oct. 31, 1880. 

Cash value of unencumbered real estate . . $125,000 00 
Loans on mortgage of real estate (first liens *), 192,200 00 



Interest due or accrued thereon 
Stocks, bonds, etc , as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Re-insurance due . . 
Miscellaneous ...... 

Prem's more than three months due, $34,912 00 
Gross assets ...... 

Liabilities. 

Losses adjusted unpaid . . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Reclaim able on perpetual fire policies 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
State and local taxes . . . 

Gross liabilities, except capital and scrip 

Surplus as regards policy-holders 
Paid-up capital ..... 
Scrip outstanding not ordered to be redeemed, 

Surplus over capital and scrip . 



2,286 00 

1,098,237 00 

37,000 00 

1,069 87 

206,756 26 

320 17 

76,155 05 

323,241 29 

3,786 20 

1,600 00 



-$2,067,651 84 



$3,195 00 

85,604 00 

14,330 00 

310,840 07 

77,983 33 

6,990 00 

7,036 50 

11,769 45 



517,748 35 
.,549,903 49 



$360,000 00 
835,945 00 



1,195,945 00 

$353,958 49 



Income. 

Cash received for fire premiums . . . $106,276 35 
Deduct re-insurance and return premiums . 7,550 00 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums . $790,944 65 
Deduct re-insurance and return premiums . 175,598 56 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes rec'd during the year . $323,241 29 
Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Deposits received for perpetual lire risks . $1,415 50 



$98,726 35 



615,346 09 

11,200 00 
00,442 30 



Gross rash income $785,714 74 



* Villus of lands mortgaged 
Value of i uildlngg thereon 
Amount of insurance held as collateral 

24 



Mo 00 

,00 (iii 

i 16,600 00 



186 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash paid for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 

paid for redemption of scrip . 
Interest paid scrip-holders 
Cash paid for commissions and salaries . 
for state and local taxes . 
for incidentals 
Deposits returned on perpetual fire risks 

Gross cash expenditures . 



$54,018 GG 
1,607 00 

$197,091 97 
87,S03 44 



$1,749 50 



^52,411 06 



409,288 53 

30,000 00 

182,510 00 

54,28 i 40 

81,590 71 

15,025 53 

14,891 22 



. $S46,G01 05 



Risks and Premiums. 



Premiums. 



Fire risks outstanding Oct. 31, 1879 
written during 1S80 

Total 

Deduct risks expired and terminated 

In force at end of year . 

Marine risks outstanding Oct. 31, 1S79 
written during 1SS0 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 



Miscellaneous 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year 
Marine and inland losses incurred during the year 
Company's stock owned by directors 



$17,0G1,G53 00 
15,293,957 00 


$134,174 SS 
100,535 85 


$32, 355, G 10 00 
15,312,900 00 


$240,710 73 
107,331 13 


$17,012,710 00 

$13,767,071 00 
72,959,577 00 


$133,379 GO 

$2GS,5SS 03 
835,104 40 


$SG,720,01S 00 $1,103,092 43 

73,803,096 00 859,518 77 


$12,922,952 00 

ent) . 
year 

• • • • 


$244,143 06 

$36,000 00 
57,470 06 

407, 02G 53 
41,725 00 



1880.] 



INS. COS. OF OTHER STATES. 



187 



ENTERPRISE FIRE AND MARINE INSURANCE COMPANY, 

CINCINNATI, O. 

[Incorporated December, 1865. Commenced business December, 1865.] 

Paid-up Capital, $300,000. 

John W. Hartwell, President. J. TV. McCord, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bonds $152,450 00 $15S,377 57 

Cincinnati city bonds 21,000 00 24,100 00 

Cincinnati Underwriters' Wrecking Co. stock, 3,500 00 3,500 00 



$170,950 00 $180,007 57 



Summary of Assets Dec. 31, 18S0. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Cash ill the office of the company . 

deposited in bank .... 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Rents due and accrued . . . , 

Salvage claims 

Gross assets ..... 

Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Commissions and brokerage . 
Return premiums ..... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 



$149,720 54 

1,708 34 

61 45 

180,007 57 

429 70 

7,773 83 

15,722 35 

18,083 43 

S18 10 

4,210 52 



$7,261 76 
4,854 73 
2,125 00 

63,530 86 
10S 00 



257 00 
573 72 



$3S4,597 89 



7S,717 07 

$305, S80 82 
300,000 00 

$5,8S0 S2 



$98,563 17 
10,561 40 



* Value of lands mortgngcd . 

Value of building! thereon 

Amount of insurance bold as collateral 



|2,260 oo 

5,000 00 
2,100 00 



188 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Net cash received for fire premiums 
Cash rec'd for marine and inland premiums . 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums, 
Unpaid premium notes received during the 

year 

Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from rents . . . . . . 



57,196 67 
5,130 25 



$29,348 78 



Gross cash income ........ 

Expenditures. 

Cash paid for fire losses $62,809 83 

Deduct salvage and re-insurance . . . 243 34 

Net cash paid for fire losses . . 

Cash paid for marine and inland losses . . $28,948 45 

Deduct salvage and re-insurance . . . 3,038 96 

Net cash paid for marine and inland losses 

Cash dividends paid . . 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for ground rent 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



$87,998 77 
52,066 42 



684 42 

8,723 06 

8,745 06 

$158,217 73 



Fire risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Diduct amount re-insured 

Net amount in force 



$6,733,076 00 
9,047,136 00 

$15,7S0,212 00 
7,823,792 00 



$7,956,420 00 
159,334 00 



52,566 49 



25,909 49 
29,917 00 
16,888 50 
13,219 92 
4,510 57 
7,000 00 
11,384 21 

$171,396 18 

Premiums. 

$84,511 48 
97,844 00 

$182,355 48 
82,853 33 

$99,502 15 
2,195 46 



$7,797,086 00 $97,306 69 



$374,422 00 
2,961,584 00 



$37,154 00 
51,837 32 



$3,336,006 00 $8S,991 32 
3,016,341 00 53,558 61 



$319,665 00 $30,432 71 
2,000 00 188 90 



$317,665 00 $30,243 81 



Miscellaneous. 
Premiums received from organization of company . . $3,856,518 29 
Losses paid from organization of company . ' . . .2,518,01145 



1880.] 



INS. COS. OF OTHER STATES. 



189 



Cash dividends declared from organization of company- 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 

Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$252,000 00 

30,000 00 

64,096 01 

31,202 50 

112,300 00 



EQUITABLE FIRE AND MARINE INSURANCE COMPANY, 

PROVIDENCE, R.I. 

[Incorporated May, 1859. Commenced business September, I860.] 

Paid-up Capital, $200,000. 

Fred W. Arnold, President. James E. Tillinghast, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Market value. 



500 shares Old National Bank 



200 " 

200 " 

30 " 

100 " 

100 " 



R.I 



National Bank of Commerce 
American National Bank 
Third National Bank 
Fourth National Bank . 
First National Bank, Warren 

United States bonds 

Union Pacific Railroad bonds . 

New York Elevated Railroad bonds 



Summary of Assets Dec. 

Cash value of unencumbered real estate . 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in Old National Bank 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets 

Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
State and local taxes 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holder 
Paid-up capital .... 



Par value. 

150,000 00 
10,000 00 
10,000 00 
3,000 00 
10,000 00 
10,000 00 
50,000 00 
20,000 00 
10,000 00 



$55,000 00 
11,200 00 
10,600 00 
3,600 00 
12,000 00 
10,000 00 
52,337 50 
23,000 00 
11,300 00 



$173,000 00 $189,037 50 

31, 1880. 

$129,900 00 

189,037 50 

914 84 

16,751 16 

10,848 12 

1,820 00 

$349,271 62 



Surplus over capital . 



$1,934 75 

5,109 00 

645 00 

68,521 (52 

290 20 

500 00 

1,000 00 



78,003 57 
8271,268 05 

200, 000 00 
$71,208 05 



190 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . . $129,74108 

Deduct re-insurance and return premiums . 11,074 37 

Net cash received for fire premiums . . $11S,0G9 71 

Casli received formaline and inland premiums, $14,G4S 57 

Deduct re-insurance and return premiums . 372 G7 

Net cash rec'd for marine and inl'd premiums, 14.275 00 

Interest and dividends rec'd from all sources . . . . 9,39191 

Income from rents 9,214 32 



Gross cash income .... 

Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire Josses 

Cash paid for marine and inland losses . 

Deduct salvage and re-insurance . 

Net cash paid for marine and inland losses 

Cash dividends paid .... 

paid for commissions and brokerage 
for salaries and incidentals 
for state and local taxes . 
for expenses on real estate 

Gross cash expenditures . 



Risks and Ppemiums. 



. $150,95-4 S4 



$S7,677 55 
900 11 

$8,507 89 
494 GS 



Fire risks outstanding Dec. 31, 1879 



written during 1SS0 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1SS0 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 

Deduct amount re-insured 

i 

Net amount in force 



$10,S73,639 00 
14.958,957 00 

$25,832,596 00 
13,171,637 00 

$12,600,959 00 
105,006 00 



,777 44 



8,013 21 

15,875 GO 

24,421 46 

17,803 75 

5,521 95 

3,429 60 

$161,S43 01 



Premiums. 

$115,271 09 
129,744 OS 

$245,015 77 
113,172 43 

9131,843 34 

1,073 58 



$12,555,953 00 $130,769 76 



$81,717 00 
2,222,733 00 

$2,304,450 00 
2,150,215 00 

$154,235 00 
9,900 00 



$SG8 16 
14,618 57 

H5,516 73 
13,154 32 

$2,362 41 
29 S8 



$144,275 00 $2,332 53 



1880.] 



INS. COS. OF OTHER STATES. 



191 



Miscellaneous! 

Premiums received from organization of company . 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (S per cent) 

Fire losses incurred during the year . 

Marine and inland losses incurred during the year 

Company's stock owned by directors . 



$1,7-13,090 83 

. 1,288,853 S7 

. 300,000 00 

10,000 00 

83,132 08 

9,935 51 

. 41,520 00 



EXCHANGE FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 9, 1S53. Commenced business May, 1853.] 

Paid-up Capital, $200,010. 

R. Carman Combes, President. Geohge W. Montgomery, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bonds, 5s $200,000 00 $203,500 00 

Securities held as collateral for cash loans: — 



United States bonds .... 
United States bonds .... 
Phoenix National Bank, N.Y. 
Rutgers Fire Insurance Company . 
Oriental Bank ..... 

Citizens' Bank . . ... 
New York Equitable Insurance Company 
Home Insurance Company 
Harlem Gas- Light Company . 
New York City Insurance Company 
Hamilton Fire Insurance Company 
Harlem and New York Navigation Company 
National Mechanics' Banking Association 
Firemen's Trust Insurance Company 
Mechanics' Fire Insurance Company 
American Exchange Insurance Company 
Marine National Bank .... 
Manhattan Life Insurance Company 
Sterling Fire Insurance Company . 
Manhattan Fire Insurance Company 
Harlem and New York Navigation Company 
Sterling Fire Insurance Company . 
Republic Fire Insurance Company . 
Importers' and Traders' Insurance Company 
Continental National Bank 
St. Louis, Jacksouville, and Chi. U.K. bonds 



Market vi 


Uue. Loaned thereon. 


81, GOO 00 


$1,200 00 


1,100 
700 


00) 
00 > 


1,500 00 


2,400 


00 1 




025 


00 1 




1,605 00 ')■ 


7,500 00 


1,GS0 


oo ! 




4,350 


00 J 




GG0 


ooi 




525 
1,075 


00 ! 
00 ! 

1 


3,100 00 


1,710 


00 J 




1,000 


00^ 




220 

825 


00 ! 
00 1 


2,000 00 


550 


00 J 




2,500 


00 


1,500 00 


1,500 


00 


850 00 


400 


00 


300 00 


1,075 


00 


1,300 00 


250 


00 


200 00 


2,400 


00 


1,500 00 


375 


00 


200 00 


1,000 


00 


ooo 00 


1,800 


00 


1,500 00 


1,100 00 


050 00 



192 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Hanover Fire Insurance Company . 
Republic Fire Insurance Company . 
Star Fire Insurance Company 
Yonkers city bond .... 



Market value. Loaned tlierecn. 

$5,100 00 



750 00 
9,600 00 
5,500 00 



$2,500 00 

5,700 00 
4,500 00 



$54,575 00 $37,200 00 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $85,250 00 

1,805 25 

203,500 00 

37,200 00 

5,780 17 

8,927 48 

395 04 

8,650 23 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in Bank .... 

Interest due and accrued . . . 

Premiums in course of collection (net) . 

Gross assets ..... 



$351,508 17 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital .... 



Surplus over capital 



Income 



$4,224 70 

2,450 00 

58,807 26 

426 00 



Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash rec'd for marine and inland premiums 

Deduct re-insurance and return premiums 

Net cash rec'd for marine and inl'd premiums, 

Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from rents ....... 



$142,495 97 

13,631 95 

$6,645 15 

83 40 



65,907 96 



^285,600 21 
200,010 00 

$85,590 21 



Gross cash income 



$128,864 02 



6,561 75 

5,863 41 

12,717 02 

1,500 00 

$155,506 20 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$100,000 00 

112,000 00 

97,100 00 



1880.] 



INS. COS. OF OTHER STATES. 



193 



Expenditures. 

Cash paid for fire losses $91,988-69 

Deduct salvage and re-insurance . . . 1,049 13 

Net cash paid for fire losses 
Cash paid for marine and inland losses 
dividends paid 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1SS0 . 

Total . . ... 
Deduct risks expired and terminated 

In force at end of year . 



$16,296,545 00 
23,228,902 00 

$39,525,447 00 
19,220,054 00 

$20,305,393 00 
231,191 00 



$90,339 56 

3,992 69 

20,001 00 

24,343 09 

18,360 00 

2,847 88 

9,933 37 

$169,817 59 



Fveminms. 

$109,765 39 
12S,S04 02 



$238,629 41 
121,433 13 

$117,196 28 
1,325 17 



$20,074,202 00 $115,871 11 



$18,400 00 
181,825 00 



$422 00 
6,645 15 



$200,225 00 
68,325 00 



$7,007 15 
847 65 



$131,900 00 $6,219 50 



Miscellaneous. 

Premiums received from organization of company 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent) . 

Fire losses incurred during the year . 

Marine and inland losses incurred during the year . 

Company's stock owned by directors .... 

25 



$2,009,408 95 

1,598,030 90 

282,619 50 

20,001 00 

74,445 74 

3,992 69 

106,500 00 



194 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
FARRAGUT FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Jan. 29, 1872. Commenced business Jan. 30, 1872.] 

Paid-up Capital, $200,000. 

John M. Furman, President. Samuel Darbee, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 

Fourth National Bank stock . 



Par value. Market value. 

. $260,000 00 $291,200 00 
10,000 00 12,000 00 



170,000 00 $303,200 00 



Securities held as collateral for cash loans : 

175 shares Broadway Railroad Company 
.75 " New York Ferry Company 
200 " Fourth National Bank . 
Broadway Railroad Company bonds 
163 shares United States Express Company 
10 ' 



Bushwick Railroad Company stock, 1,100 00 



Market value. Loaned thereon. 

11,250 00 ^ ' 

24,000 00 12,000 00 
2,000 00 1,000 00 
8,150 00 2,000 00 
600 00 



Summary of Assets Dec 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) . 
Rents due and accrued * 
Office furniture .... $4,000 00 
Prem's more than three months due, 237 85 
Gross assets . * * * 



$72,750 00 $37,600 00 

31, 1880. 

$44,000 00 
17,000 00 

255 00 

303,200 00 

37,600 00 

574 57 
24,046 67 

559 50 
12,060 36 

170 00 



5439,466 10 



Liabilities. 

Losses adjusted unpaid . . . . $457 31 

claimed and reported .... 16,291 15 

Unearned premiums on outstanding risks . 85,205 09 

Due and accrued for rent, salaries, etc. . . 2,009 17 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$14,500 00 
21,000 00 
1S.500 00 



1880.] 



INS. COS. OF OTHER STATES. 



195 



State and local taxes 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$750 00 
1,574 02 



$106,289 74 



. $333,176 36 
. 200,000 00 



Surplus over capital . 



. $133,176 36 



Income. 

Cash received for fire premiums . . . $161,905 86 
Deduct re-insurance and return premiums . 6,802 40 

Net cash received for fire premiums . . — — ■ $155,103 46 

Cash received for marine and inland premiums . . . 939 17 

Interest received on bonds and mortgages .... 1,076 41 

and dividends received from all other sources . . 14,492 60 

Income from rents ......... 3,303 63 



Gross cash income 



. $174,915 27 



Expenditures. 

Cash paid for fire losses 

paid for marine losses .... 
dividends paid ..... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

for expenses on real estate 

Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 

Marine risks written during 1880 
Deduct risks expired and terminated 



$27,376,027 00 
33,828,942 00 

$61,204,969 00 
30,3S0,179 00 

$30,824,790 00 

290,093 00 



$68,207 50 

152 03 

30,000 00 

26,227 09 

25,600 00 

3,005 89 

19,729 45 

1,333 41 

$174,255 37 



Premiums. 

$138,624 50 
163,573 86 

$302,198 36 
135,254 68 

$106,943 68 
1,821 70 



$30,534,097 00 $105,121 98 
$039 17 



$36,500 00 

12,500 00 



166 07 



In force at end of year 



$24,000 00 $772 50 



196 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (15 per cent) . 
Fire losses incurred during the year . 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$1,232,990 32 
408,345 63 
222,000 00 
30,000 00 
76,277 31 
152 03 
93,500 00 



FIRE ASSOCIATION OF PHILADELPHIA, PHILADELPHIA, 

PENN. 

[Incorporated March 27, 1S20. Commenced business Sept. 1, 1817.] 

Paid-up Capital, $500,000. 

A. Loudon Snowden, President. Jacob H. Lex, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bond3 
Philadelphia city bonds 



Cincinnati city bonds 

Camden city bonds . 

Masonic Temple bonds 

Pittsburg city bonds 

Pennsylvania Railroad bonds 

Pennsylvania Company bonds 

Lehigh Coal and Navigation Company bonds 

Lehigh Valley Railroad bonds 

Philadelphia and Reading Railroad bonds 

Catawissa Railroad bonds . . \ . 

Philadelphia and Erie Railroad bonds 

Camden city warrants .... 

Shamokin Valley and Pottsville R.R. bonds 

Pennsylvania and New York Canal Co. bonds 

Texas and Pacific Railroad bonds . 

Louisville and Nashville Railroad bonds . 

Northern Central Railroad bonds . 

Huntington and Broad Top Railroad bonds 

Pennsylvania Railroad stock . 

Phila., Ger., and Norristown Railroad stock 

Chestnut Hill Railroad stock . 

Fire Association stock . . $247,200 00 



$475,000 00 $533,312 00 
43S,000 00 543,700 00 



113,000 00 
6,000 00 
20,000 00 
50,000 00 
108,000 00 
149,000 00 
100,000 00 
132,000 00 
10,000 00 
10,000 00 
29,000 00 
7,355 99 
.20,000 00 
8,000 00 
25,000 00 
100,000 00 
100,000 00 
15,000 00 
151,500 00 
16,550 00 
3,500 00 



141,250 00 
7,200 00 
20,000 00 
54,000 00 
131,000 00 
157,940 00 
115,000 00 
15S,160 00 
5,500 00 
11,400 00 
33,040 00 
7,797 00 
22,200 00 
9,600 00 
27,000 00 
104.500 00 
115,000 00 
17,700 00 
196,950 00 
35,748 00 
7,560 00 



Securities held as collateral for cash loans: 

Fire Association stock .... 
Pennsylvania Railroad stock . 
Lehigh Valley Railroad stock . 



$2,086,905 99 $2,456,157 CO 

Market value. Loaned Ihereon. 

. $11,100 00 $6,800 00 

. 155,500 00 117,000 00 

24,400 00 20,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



197 



Market value. Loaned thereon. 

Pittsburg, Cincinnati, and St. Louis R.R. b'ds, $11,850 00 
American Steamship Company . . . 5,010 00 



$10,000 00 



$207,890 00 $153,800 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (net) . 
Gross assets ..... 
Deduct special deposits in other states . 



Balance 



$56,800 00 

1,060,861 78 

28,016 71 

2,456,157 00 

153,800 00 

150,984 87 

46,673 06 

111,776 93 



-$4,065,070 35 
67,125 00 

$3,997,945 35 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 

Gross liabilities, except capital 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 



. $47,235 51 

74,494 18 

4,100 00 

. 759,620 03 

. 1,715,659 06 

$2,601,108 78 
. 40,030 77 



2,561,078 01 
11,436,867 34 



Paid-up capital 500,000 00 

Surplus over capital 



$936,S67 34 



Income. 

Cash received for fire premiums . . $1,447,753 30 
Deduct re-insurance and return premiums . 139,290 18 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from rents ....... 

from return taxes, surveys, and policy fees 
from transfers ...... 

Deposits received for perpetual fire risks . $68,283 38 



Gross cash income 



Cash paid for fire losses 
dividends paid 



Expenditures. 



$1,308,463 12 

63,495 22 

157,897 29 

2,917 68 

3,975 03 

2,318 00 

$1,539,066 34 



$763,300 57 
200,000 00 



198 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals . 

for interest . 

for expense on real estate 

Deposits returned on perpetual fire risks 



$14,375 07 



$308,700 03 

57,847 15 

55,221 12 

23,701 96 

1,920 69 

1,223 96 

$1,411,930 48 



Gross cash expenditures . . . ... 

Risks and Premiums. 

Premiums. 

$195,153,478 00 $3,074,801 72 
. 127,212,108 00 1,447,753 30 



Fire risks outstanding Dec. 31, 1S79 



written during 18S0 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$322,365,586 00 $4,522,555 02 
100,635,082 00 1,243,631 81 



$221,730,504 00 $3,278,923 21 
571,330 00 5,019 41 



$221,159,174 00 $3,273,903 80 

Miscellaneous. 
Premiums received from organization of company 



Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (40 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors ... 



$11,294,496 00 

4,998,594 00 

1,979,762 00 

200,000 00 

775,734 00 

83,650 00 



FIREMAN'S FUND INSURANCE COMPANY, SAN FRANCISCO, 

CAL. 

[Incorporated May, 1863. Commenced business June, 1863.] 

Paid-up Capital, #750,000. 

D. J. Staples, President. George D. Dornin, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value . 

United States bonds $170,000 00 $526,400 00 

Oakland city bonds . . . . . 25,000 00 30,000 00 

Oakland Gas-Light Company bonds . . 17,000 00 17,000 00 

First National Bank 9,900 00 10,890 00 



$521,900 00 $5S4,290 00 



Securities held as collateral for cash loans: — 

100 shares California Powder Company . 
440 " Masonic Hall Association 



Market value. Loaned thereon. 

$10,000 00 $5,000 00 
4,400 00 4,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



199 



Market value. Loaned thereon. 



10 shares Franco- American Bank . 
Marysville city bond 
250 shares Bank of Sonoma . 
51 ik California Powder Company 
100 " Gold and Stock Telegraph Co 
275 " National Gold Bank 



1500 00 
9,000 00 

27,500 00 
5,100 00 

10,000 00 
5,500 00 



$500 00 
7,000 00 
10,000 00 
3,500 00 
5,000 00 
5,450 00 



r 2,000 00 $10,450 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks . 
Rents due and accrued .... 
Taxes advanced on real estate 

Gross assets ..... 
Deduct special deposits in other states . 

Balance . . . 

Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Commissions and brokerage . 
Marine bills payable 

Gross liabilities, except capital 
Deduct liabilities on special deposits 



$219,969 96 

130,250 00 

1,896 30 

584,290 00 

40,450 00 

4,856 41 

73,527 71 

5,851 23 

63,894 34 

32,208 30 

415 00 

2,407 75 



-$1,160,017 00 
50,000 00 

$1,110,017 00 



$12,201 89 

26,482 67 

5,000 00 

295,217 80 

290 61 

2,872 78 

5,978 01 

$318,043 76 
13,500 00 



334,543 76 



Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



. $775,473 24 
. 750,000 00 



$5,473 24 



* Value of [audi mortgaged 
Value of bulldiaga thereon 
Amount of insurance beld ai collateral 



$254,500 00 

1 15,750 00 

79,900 00 



200 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums 
Deduct re-insurauce and return premiums 
Net cash received for fire premiums 
Cash rec'd for marine and inland premiums . 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums, 
Unpaid premium notes received during the 
year ........ 

Interest and dividends received from all sources 
Income from rents . . . 

from securities sold .... 

Received for increased capital 

Gross cash income . . . ... 



$524,733 17 
94,094 11 

$121,687 36 
42,088 18 



11,447 30 



350,000 00 



$430,039 06 

79,599 18 

25,533 15 

13,440 10 

2,968 73 

$552,180 22 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses * 
Cash paid for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employe's 

for state and local taxes . 

for incidentals . . . 

Gross cash expenditures . 



$245,143 29 
8,061 66 

$48,954 03 
12,343 48 



$237,081 63 



36,610 55 
51,904 18 
68,432 36 
34,006 65 
8,365 76 
79,889 03 

$516,290 16 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

135,010,404 00 $469,642 21 
41,470,829 00 535,466 01 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total . . . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$76,481,233 00 $1,005,108 22 
32,104,491 00 471,378 14 



$44,316,742 00 $533,730 08 
2,518,498 00 43,817 92 



$41,798,244 00 $4S9,912 16 



$724,331 00 
7,228,106 00 

$7,952,437 00 
7,041,594 00 

$910,843 00 
264,715 00 



$55,848 67 
139,218 63 

$195,007 30 
129,348 97 

$05,71S 33 
19,533 34 



$646,128 00 $46,184 99 



1880.] 



INS. COS. OF OTHER STATES. 



201 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year .... 

Fire losses incurred during the year . . . 
Marine and inland losses incurred during the year 
Company's stock owned by directors 



$6,523,478 21 

4,213,749 04 

896,060 00 

52,000 00 

243,073 14 

37,071 40 

103,200 00 



FIREMEN'S INSURANCE COMPANY, BALTIMORE, M.D. 

[Incorporated December, 1825. Commenced business Aug. 2, 1826.] 

Paid-up Capital, $378,000. 

James M. Anderson, President. B,. E. Warfield, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



Baltimore city bonds .... 
Maryland state bonds ..... 
Virginia state bonds .... 
Tennessee state bonds .... 
Com. and Farmers' National Bant, Baltimore 
Farmers' and Merchants' Nat'l Bank, Bait. 
Merchants' National Bank 
Mechanics' National Bank 
Franklin National Bank .... 
Nationl Bank of Baltimore 



Par value. 

$170,700 00 

148,206 21 

74,513 85 

43,000 00 

31,000 00 

1,200 00 

700 00 

8,080 00 

725 00 

13,200 00 



Market value. 

1202,258 00 

154,965 16 

37,822 46 

20,640 00 

34,100 00 

1,350 00 

875 00 

9,458 75 

464 00 

17,028 00 



$491,325 06 $178,961 37 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets 

Liabilities. 

Losses adjusted unpaid . 
disputed or resisted 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
26 



$61,875 00 

478,961 37 

360 16 

10,429 46 

7,764 48 

10,210 31 

237 50 



15,295 77 

3,300 00 

,595 77 

2,500 00 

516,095 77 

80,208 73 

535 92 



$569,838 28 



202 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Due for borrowed money 

State and local taxes .... 

Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital . 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest and dividends received from all sources 
Income from rents 



$20,000 00 
613 86 
292 28 



- $117,746 56 

. $152,091 72 
. 378,000 00 



5201,500 22 
15,390 06 



$74,091 72 



$186,110 16 

24,230 02 

1,487 50 



Gross cash income ........ 

Expenditures. 
Cash paid for fire losses . , . . . $111,883 70 
Deduct salvage and re-insurance . . . 6,582 94 

Net cash paid for fire losses 
Cash dividends paid 

paid for commissions and brokerage - 

for salaries of officers and employes 
for state and local taxes . 
Stock refunded by order of court . 

Gross cash expenditures . . . 

Risks and Premiums. 



$211,827 68 



Fire risks outstanding Dec. 31, 1879 



written during 1880 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$20,634,411 00 
30,063,431 00 

$50,697,842 00 
25,939,877 00 

$24,757,965 00 
113,050 00 



$105,300 76 
57,803 83 
27,552 75 
15,719 84 
10,740 75 
20,945 12 

$238,063 05 



Premiums. 

$107,905 33 
201,500 22 

$309,405 55 
148,916 67 

$160,488 88 
903 27 



$24,644,915 00 $159,585 61 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year . 

Fire losses incurred during the year . 
Company's stock owned by directors . 



^5,053,355 58 

2,383,669 26 

2,984,640 24 

57,960 00 

109,801 84 

18,900 00 



1880.] 



INS. COS. OF OTHER STATES. 



203 



FIREMEN'S INSURANCE COMPANY, DAYTON, O. 

[Incorporated April, 1856. Commenced business 1856.] 

Paid-up Capital, $250,000. 

S. Craighead, President. J. S. Miles, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 
Dayton city bonds . 
Music Hall Company bonds 
Troy (O.) bonds 
Wapakoneta (O.) bonds . 
135 shares Merchants' National Bank 
22 " Dayton National Bank . 



Securities held as collateral for cash loans : — 



Eagle White Lead Company stock 
Cooper Hydraulic Company stock 
Second National Bank stock . 
Dayton Hydraulic Company stock 
First National Bank (Troy) . 
United States bonds 



Par value. 

^95,000 00 
24,000 00 

5,400 00 
23,000 00 

1,000 00 
13,500 00 

2,200 00 



Market value. 

$96,725 00 

26,400 00 

5,400 00 

24,110 00 

1,000 00 

16,200 00 

2,860 00 



64,100 00 $172,695 00 



Market value. 

HI 8,000 00 

20,000 00 

15,000 00 

500 00 

5,000 00 

220 00 



Loaned thereon. 

$10,000 00 

12,500 00 

10,500 00 

350 00 

2,500 00 

200 00 



Summary of Assets Dec. 31, 1880 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 

Interest due and accrued 

Premiums in course of collection (gross) . 

Notes taken for marine and inland risks . 

Gross assets 



$58,720 00 $36,050 00 


1, 1880. 




$38,646 60 


111,140 


52 


3,144 


69 


172,695 


00 


36,050 


00 


6,091 


67 


13,122 


71 


2,376 


59 


22,842 


82 


800 


00 

ftdnn 01 n ftr» 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported 



$2,793 99 
0,652 83 



* Value of lamls mortgaged 

Value of "building* thereon 

Amount of insurance held as collateral 



|163,185 00 
07,400 00 
62,040 00 



204 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 



Income. 



$93,166 66 
1,492 50 
2,500 00 



$164,802 30 
26,863 08 



Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . . — 

Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from rents ....... 



$106,605 98 

$300,304 62 
250,000 00 



$50,304 62 



$137,939 22 

9,131 32 

13,190 32 

295 00 



Gross cash income 



,561 86 



Expenditures. 



Cash paid for fire losses .... 
Deduct salvage and re- insurance 
Net cash paid for fire losses . . . . - 
Cash dividends paid ..... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals . . . . 

Gross cash expenditures .... 

Risks and Premiums. 



$69,986 94 
1,402 70 



$68,584 24 
24,723 50 
25,727 19 
12,938 42 
2,954 50 
16,999 35 

. $151,927 20 



Fire risks outstanding Dec. 31, 1879 
written during 1S80 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$14,484,993 00 $159,258 76 
14,695,637 00 164,802 30 



$29,180,630 00 $324,061 06 
13,065,689 00 137,340 16 



$16,114,941 00 $186,720 90 
246,979 00 3,242 50 



$15,867,962 00 $183,478 40 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 



$1,437,054 05 
. 528,897 50 



1880.] 



INS. COS. OF OTHER STATES. 



205 



Cash dividends declared from organization of company . $389,892 40 

Dividends declared during the year (10 per cent) . . . 25,000 00 

Fire losses incurred during the year . .... 69,551 63 

Company's stock owned by directors . . . . . 62,720 00 



FIREMEN'S INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated Dec. 3, 1855. Commenced busiuess Dec. 3, 1855.] 

Paid-up Capital, $500,000. 

S. R. W. Heath, President. Daniel H. Dunham, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds .... 
Morris and Essex Railroad stock 
Newark City National Bank stock . 
Second National Bank stock . 
National Newark Banking Company stock 
Essex County National Bank stock 
National State Bank stock 
American Insurance Company stock 
Newark Fire Insurance Company stock . 
Newark City Insurance Company stock . 
Germania Insurance Company stock 
Orange and Newark horse-car bonds 



Par value. 

$130,000 00 

11,800 00 

15,150 00 

10,000 00 

5,100 00 

6,400 00 

10,800 00 

20,000 00 

2,340 00 

3,750 00 

2,000 00 

1,000 00 



Market value. 

$141,375 00 

14,337 00 

20,452 50 

13,500 00 

6,885 00 

8,640 00 

11,556 00 

29,000 00 

3,159 00 

3,375 00 

1,000 00 

1,040 00 



$218,340 00 $254,319 50 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $162,749 29 

Loans on mortgage of real estate (first liens *), 719,111 00 

Interest due or accrued thereon . . . 15,618 54 

Stocks, bonds, etc., as per schedule. . . 254,319 50 

Cash in the oflice of the company . . . 6,924 53 

deposited in Newark City National Bank, 46,328 07 

Interest due and accrued . . . . 413 00 

Premiums in course of collection (gross) . 2,841 57 

Rents due and accrued 495 00 

Gross assets ...... 8 



,20S,800 50 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported 



$1,657 57 
2,663 00 



* Total value of property mortgaged . 
Ainouut of insurance held as collateral 



$1,77(1,700 00 
011,:>75 00 



206 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holder 
Paid-up capital .... 



Surplus over capital . 



Income 

Cash received for fire premiums . . . $192,599 85 

Deduct re-insurance and return premiums . 9,S92 61 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages . . . . 

and dividends received from all other sources . 
Income from rents . 



$106,509 61 

2,384 00 

635 78 

363 89 



Gross cash income . . . . 

Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid 

paid for redemption of scrip 

Interest paid scrip-holders 

Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for adjusting losses . 

for incidentals 

for repairs on real estate 

Deposits returned on perpetual fire risks 



Gross cash expenditures .... 
Risks and Premiums. 



,444 74 
791 57 



$273 60 



$114,213 85 



,094,586 65 
500,000 00 



. $594,586 05 



$182,707 24 

47,599 70 

15,830 26 

6,998 64 

$253,135 84 



$81,653 17 

54,000 00 

32 00 

11 12 

24,782 97 

17,210 82 

6,100 29 

1,311 21 

6,9S8 46 

1,996 93 



$194,0S6 97 



Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 



$27,372,966 00 $205,221 21 
28,380,231 00 189,540 46 



$55,753,197 00 
28,080,346 00 



$394,761 67 
180,963 16 



$27,672,851 00 $213,798 51 
161,500 00 1,350 40 



Net amount in force 



$27,511,351 00 $212,448 05 



1880.] 



INS. COS. OF OTHER STATES. 



207 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company . . . 
Cash dividends declared from organization of company 
Dividends declared during the year . 

Fire iosses incurred during the year . . 

Company's stock owned by directors . 



$2,806,693 98 

935,342 68 

492,500 00 

54,000 00 

79,362 12 

314,650 00 



FIREMEN'S INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated 1825. Commenced business 1825.] 

Paid-up Capital, $204,000. 

John F. Halsted, President. P. H. Oakley, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 



United States bonds .... 
Bank of New York stock 
Metropolitan National Bank stock . 
American Exchange National Bank stock 
Delaware and Hudson Canal Company bonds 



$220,000 00 $224,400 00 

6,700 00 9,380 00 

6,000 00 9,000 00 

4,000 00 5,000 00 

13,000 00 14,025 00 



$249,700 00 $261,805 00 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*) . $43,800 00 

Interest due or accrued thereon . . . 985 50 

Stocks, bonds, etc., as per schedule . . 261,805 00 

Cash in the office of the company . . . 698 33 

deposited in various. banks . . . 6,813 86 

Interest due and accrued .... 1,023 00 

Premiums in course of collection (gross) . 6,909 32 
Prem's more than three months due, $376 54 

Gross assets $322,035 01 



Liabilities. 

Losses adjusted unpaid .... 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
State and local taxes .... 
Commissions and brokerage 
Return premiums ..... 



$9,176 34 

4,075 00 

3,250 00 

33,844 99 

683 33 

251 65 

1/130 44 

75 50 



* Value of landw mort^ai^'fl 
Value of building! thereon 
Amount of insurance hold ab collateral 



J62,700 00 
46,800 00 

41,720 00 



208 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital . . . . 



$52,787 25 

$269,247 76 
201,000 00 

$65,247 76 



$62,581 29 




6,901 31 






$55,679 98 


$2,927 56 


34 08 






2,893 48 




• • . 


3,250 36 


urces . 


12,871 00 



Surplus over capital .... 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash rec'd for marine and inland premiums . 

Deduct re-insurance and return premiums 

Net cash rec'd for marine and inl'd premiums, 

Interest received on bonds and mortgages 

and dividends received from all other sources 



Gross cash income $74,694 82 

Expenditures. 
Cash paid for fire losses ..... $32,991 74 
Deduct salvage and re-insurance . . . 840 42 

Net cash paid for fire losses 
Cash paid for marine and inland losses 
dividends paid 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re- insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . . . 



$10,377,898 00 
12,704,823 00 



$23,082,721 00 
11,919,557 00 

$11,163,164 00 
273,717 00 



$32,151 32 

3,771 74 

14,280 00 

8,008 74 

10,349 97 

429 02 1 
7,294 44 

$76,285 23 



Premiums. 

$57,046 54 
65,402 48 

£122,449 02 
56,660 09 

$65,788 93 
1,636 98 



$10,889,447 00 $64,151 95 



$106,375 00 
121,614 00 

$227,989 00 
131,375 00 



$2,3S5 07 
2,967 56 

$5,352 63 
2,498 57 



$90,614 00 -$2,854 06 



1880.] 



INS. COS. OF OTHER STATES. 



209 



MrSCELLANKOUS. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (7 per cent) 
Fire losses incurred during the year . . 

Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$4,142,923 81 

. 2,593,161 17 

. 1,333,198 17 

14,280 00 

29,726 03 

2,494 48 

. 64,328 00 



FRANKLIN FIRE INSURANCE COMPANY, PHILADELPHIA, 

PENN. 

[Incorporated April 22, 1829. Commenced business June, 1829.] 

Paid-up Capital, $400,000. 

Alfred G. Baker, President. Ezra T. Cresson, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds .... 
Mississippi state warrants 
New Jersey state bonds .... 
Maine state bonds ..... 
Philadelphia city bonds .... 
Columbus (O.) city bonds . . 
Camden city bonds ..... 
West Jersey Railroad bonds . 
Philadelphia and Reading Railroad bonds 
Pennsylvania Railroad bonds . 
Ilarrisburg, P., L., and Mt. Joy R.R. bonds 
Hestonville, M., and F. Railroad bonds . 
Lehigh Coal and Navigation Company bonds 
100 shares Commercial National Bank . 
16 " Continental Hotel Company . 
Camden and Amboy Railroad bonds 
Connecting railroad bonds 
Easton and Amboy Railroad bonds 
Huntington and Broad Top Railroad bonds 
Lehigh Valley Railroad bonds 



Par value. 

$160,000 00 

15,000 00 

4,000 00 

7,000 00 

50,000 00 

10,000 00 

1,000 00 

10,000 00 

3,000 00 

15,000 00 

25,000 00 

10,000 00 

18,300 00 

5,000 00 

1,600 00 

10,500 00 

20,000 00 

25,000 00 

10,000 00 

25,000 00 



Market value. 

$162,462 50 

15,000 00 

4,400 00 

7,980 00 

63,750 00 

10,750 00 

1,100 00 

12,000 00 

3,600 00 

15,450 00 

27,250 00 

10,550 00 

20,145 00 

6,800 00 

1,616 00 

11,235 00 

23,200 00 

26,500 00 

11,800 00 

30,750 00 



SB 125,400 00 $466,338 50 



Securities held as collateral for cash loans: - 

l)'-laware and Belvidere Railroad bonds . 
Ilarrisburg, P., L., and Mt. Joy R.R. bonds . 

Westchester and Philadelphia Railroad bonds, 

Catawissa Railroad bonds .... 

Trenton city bonds ...... 

27 



Market v.ilue. Loaned thereon. 

$2,120 00 $2,000 00 



2,180 00 1 
2,260 00 ' 
1,060 00 
1,100 oo J 



5,000 00 



210 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Lehigh Valley Railroad bonds 

56 shares Pennsylvania Railroad 

United States bonds 

St. Louis and Decatur Railroad bonds 

Chicago and St. Paul Railroad bonds 

Milwaukee and St. Paul Railroad bonds 



Summary of Assets Dec 
Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc, as per schedule. 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) . 
Re-insurance deposit premiums 

Gross assets ..... 
Deduct special deposits in other states . 



Market value. Loaned thereon. 

$1,230 00 $1,000 00 



3,752 00 

101,625 00 

27,000 00 

10,600 00 

19,890 00 



2,250 00 
100,000 00 

35,000 00 

10,000 00 



Balance 



$172,817 00 $155,250 00 

31, 1880. 

$670,100 00 

1,580,591 94 

30,555 96 

466,338 50 

155,250 00 

2,919 17 

257,096 44 

953 75 

55,395 88. 

356 25 

$3,219,557 89 

55.825 00 



1,163,732 89 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid . 
Surveys . . . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 



Surplus as regards policy-holders 
Paid-up capital 



$35,071 73 

6,681 12 

436,179 65 

1,395,356 47 

504 00 

2,650 00 

^1,876,442 97 
7,665 26 



1,868,777 71 

^,294,955 18 
400,000 00 



Surplus over capital $894,955 18 

Income. 

Cash received for fire premiums . . . $587,135 66 
Deduct re-insurance and return premiums . 59,802 19 



* Total value of property mortgaged . 
Amount of insurance held a6 collateral 



53,669,895 00 

1,781,492 00 



1880.] 



INS. COS. OF OTHER STATES. 



211 



Net cash received for fire premiums $527,333 47 

Interest received on bonds and mortgages . . . 114,403 30 

and dividends received from all other sources . . 24,618 00 

Income from all other sources . ..". . . 35,037 48 
Deposits received for perpetual fire risks . $ 42, 436 79 

Gross cash income . . . $701,392 25 



Expenditures. 
Cash paid for fire losses .... 
dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 
for repairs on real estate . 
Deposits returned on perpetual fire risks 

Gross cash expenditures . . 



$55,901 24 



$325,476 05 
128,400 00 
77,087 11 
73,382 43 
36,208 40 
81,463 32 
10,486 94 

$732,504 25 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . 
Deduct risks expired and terminated 

In force at end of year . . 
Deduct amount re-insured 

Net amount in force 
Perpetual risks in force . 



$138,675,588 00 
57,852,316 00 

$196,527,904 00 
58,418,715 00 

$138,109,189 00 
241,647 00 

$137,867,542 00 
$59,838,698 00 



Premiums. 

$2,453,253 44 
634,287 64 

$3,087,541 08 
671,380 00 

$2,416,161 08 
2,557 62 

$2,413,603 46 
$1,497,120 22 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company . . . 
Cash dividends declared from organization of company 
Dividends declared during the year (32 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . 



$21,218,967 08 
11,782,042 63 
. 3,960,000 00 
. 128,000 00 
. 325,476 00 
. £3,200 00 



212 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



GERMAN AMERICAN INSURANCE COMPANY, 
NEW YORK, N.Y. 

[Incorporated March 7, 1872. Commenced business March 7, 1872.] 

Paid-up Capital, $1,000,000. 

E. Oelbermann, President. James A. Silvey, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

,850,000 0012,096,743 75 
50,000 00 56,000 00 



United States bonds 

Missouri state bonds 

Rhold Island state bonds 

Rochester city bonds 

Buffalo city bonds . 

Yonkers city bonds . 

New York Central Railroad bonds 

Central Pacific Railroad bonds 

Union Pacific Railroad bonds . 

Kansas Pacific Railroad bonds 

Chicago, Rock Island, and Pacific R.R. bonds, 

Chicago, Mil., and St. Paul Railroad bonds . 

Erie Railroad bonds 

Syracuse, Binghamton, and N. Y. R.R. bonds, 

1000 shares New York and Harlem Railroad . 

Louisville and Nashville Railroad bonds . 



50,000 00 
40,000 00 
25,000 00 
21,000 00 
50,000 00 
40,000 00 
40,000 00 
75,000 00 
50,000 00 
30,000 00 
50,000 00 
30,000 00 
50,000 00 
25,000 00 



57,500 00 
52,000 00 
32,500 00 
27,300 00 
52,500 00 
46,000 00 
46,000 00 
83,500 00 
62,500 00 
36,600 00 
65,000 00 
36,000 00 
98,000 00 
26,250 00 



$2,476,000 00 $2,874,393 75 
Securities held as collateral for cash loans : — 



Erie Railroad bonds 
United States bonds 
Certificate of deposit 



Market value. Loaned thereon. 

$5,250 00 $2,000 00 

2,812 00 2,000 00 

1,000 00 1,000 00 



$9,062 00 $5,000 00 



Summary of Assets Dec. 31, 18S0. 
Stocks, bonds, etc., as per schedule . $2,874,393 75 



Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (gross) . 
Prem's more than three months due, $1,499 70 
Gross assets ...... 

Deduct special deposits in other states . 



5,000 00 

1,038 48 

122,213 18 

91,384 18 



$3,094,029 59 
95,625 00 



Balance 



^2,998,404 59 



1880.] INS. COS. OF OTHER STATES. 

Liabilities. 



213 



Losses adjusted unpaid . 

claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance .... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 



Surplus as regards policy-holders 

Paid-up capital 

Reserved for contingencies 

Surplus over capital . 



$31,300 29 
44,329 50 
10,875 00 

,504 79 
692 66 

$85,812 13 

777,550 03 

18,576 77 

$881,938 93 
11,073 51 



$870,865 42 
$2,127,539 17 



$1,000,000 00 
. 100,000 00 



1,100,000 00 
11,027,539 17 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 

Gross cash income ..... 

Expenditures. 

Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



$1,327,998 69 
168,088 85 



-$1,159,909 84 
. 118,509 07 

$1,278,418 91 



$545,698 49 
41,360 33 



$504,33S 16 

100,000 00 

161,716 34 

98,255 85 

26,029 04 

111,661 01 

$1,002,000 40 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$146,682,068 00 $1,272,982 62 
142,225,844 00 1,317,972 92 



$288,907,912 00 $2,590,955 54 
119,397,117 00 1,055,230 44 



$169,510,795 00 $1,535,725 10 
4,288,733 00 40,214 08 



$105,222,002 00 $1,480,51102 



214 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors 



$8,626,196 38 
3,687,410 33 
740,000 00 
100,000 00 
500,462 89 
324,900 00 



GERMANIA FIRE INSURANCE COMPANY, NEW YORK, N.Y 

[Incorporated March, 1859. Commenced business March, 1859.] 

Paid-up Capital, $1,000,000. 

Rudolph Garrigue, President. Hugo Schumann, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds .... $1,200,000 00 $1,358,000 00 

Chicago, Burl., and Quincy Railroad bonds . 85,000 00 93,925 00 

New York and Erie Railroad bonds . . 30,000 00 33,150 00 

Michigan So. and N. Indiana R.R. b'ds, . 55,000 00 59,950 00 

St. Paul, Minnesota, and Manitoba R.R. b'ds, 20,000 00 22,400 00 

New York Central Railroad bonds . . . 60,000 00 63,000 00 

50 shares National Park Bank . . . 5,000 00 7,050 00 



,455,000 00 $1,637,475 00 



Securities held as collateral for cash loans: — 



55 shares First National Bank (Jersey City) . 
United States bonds . 
Metropolitan Elevated Railroad bonds 
Chicago, Burlington, and Quincy R.R. bonds, 
Michigan Southern and Northern Indiana 
Galena and Chicago Railroad bonds 
Chicago, Burlington, and Quincy R.R. bonds, 
Lake Shore and Michigan Southern R.R. b'ds, 
Chicago and Milwaukee Railroad bonds . 
Chicago and Milwaukee Railroad bonds . 
Milwaukee and St. Paul Railroad bonds 
Michigan Central Railroad bonds . 
67 shares St. Nicholas National Bank, N.Y. 



Market value. 

$7,150 00 

40,600 00 

4,240 00 

4,420 00 

5,450 00 

10,500 00 

11,050 00 

5,450 00 

3,600 00 

12,000 00 

12,000 00 

12,900 00 

7,437 00 



Loanf d Ihereon. 

$5,200 00 

40,000 00 

1,000 00 

I 4,000 00 



20,000 00 
3,000 00 



25,000 00 



6,000 00 



) 



$136,797 00 $104,200 00 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $51,696 58 
Loans on mortgage of real estate (first liens *), 382,800 00 



* Value of lands mortgaged 
• Value of buildings thereon 
Amount of insurance held as collateral 



$283,800 00 
380,700 00 
343,825 00 



1880.] 



INS. COS. OF OTHER STATES. 



215 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) . 
Mississippi deposits .... 

Gross assets ..... 
Deduct special deposits in other states 



$12,900 50 

1,637,475 00 

104,200 00 

16,652 18 

69,998 68 

1,605 83 

80,464 26 

7,500 00 



Balance 



-$2,365,293 03 
. 103,431 25 

$2,261,861 78 



Liabilities. 

Losses adjusted unpaid . $14,757 12 

claimed and reported .... 36,467 12 

disputed or resisted . . . . 19,417 26 

Unearned premiums on outstanding risks . 452,564 87 

Gross liabilities, except capital . . $523,206 37 

Deduct liabilities on special deposits . . 22,980 37 



Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 



Income. 



Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 



- 500,226, 00 

$1,761,635 78 
. 1,000,000 00 

. $761,635 78 



$807,909 59 
49,506 83 



and dividends received from all other sources 



Gross cash income 



$758,402 76 
36,392 42 
61,522 53 



. $856,317 71 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employe's 
for state and local taxes . 
for incidentals 

Gross casli expenditures . 



$296,295 41 
4,545 34 



$291,750 07 

85,000 00 

147,327 91 

64,267 84 

16,382 42 

124,749 68 

$729,477 92 



216 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$76,189,427 00 $698,798 41 
98,502,632 00 807,037 74 



$174,692,059 00 $1,505,836 15 
78,629,158 00 620,851 28 



$96,062,901 00 $884,984 87 
1,208,150 00 8,610 52 



$94,854,751 00 $876,374 35 



Miscellaneous. 

Premiums received from organization of company . $12,141,399 76 
Losses paid from organization of company .... 5,543,151 45 
Cash dividends declared from organization of company . 1,201,000 00 

Dividends declared during the year . . . . . 85,000 00 

Fire losses incurred during the year . .... 297,745 74 

Company's stock owned by directors . . . . . 134,000 00 



GTRARD FIRE AND MARINE INSURANCE COMPANY, 
PHILADELPHIA, PENN. 

[Incorporated March, 1853. Commenced business May, 1853.] 

Paid-up Capital, $300,000. 

Alfred S. Gillett, President. Philander C. Royce, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

$150,000 00 $162,540 00 
10,000 00 13,000 00 



United States bonds 
Philadelphia city bonds . 
Louisville city bonds 
St. Louis county bonds . 
American Steamship Company bonds 
Union Pacific Railroad bonds 
Connecting railroad bonds 
Pennsylvania Railroad bonds . 
Camden and Amboy Railroad bonds 
Philadelphia and Erie Railroad bonds 
Philadelphia and Reading Railroad bonds 
Philadelphia and Reading Railroad scrip 
Lehigh Navigation Company bonds 
Susquehanna Coal Company bonds . 
Lancaster and Reading Railroad bonds 
North Pennsylvania Railroad bonds 
Iowa school bonds .... 



10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

17,000 00 

15,000 00 

5,000 00 

1,750 00 

11,000 00 

3,000 00 

10,000 00 

5,000 00 

3,600 00 



11,200 00 

11,000 00 

5,550 00 

5,625 00 

11,200 00 

12,400 00 

19,920 00 

17,000 00 

3,000 00 

1,050 00 

12,7C0 00 

3,240 00 

11,000 00 

6,000 00 

3,600 00 



8281,350 00 I310.0S5 00 



1880.] 



INS. COS. OF OTHER STATES. 



217 



Securities held as collateral for cash loans: — 

Philadelphia, Wilmington, and Baltimore R.R. 
United States bonds ..... 
Pennsylvania Railroad Company- 



Market value. Loaned thereon . 
$3,000 00 
11,350 00 
670 00 



I $5,700 00 



500 00 



$15,020 00 $6,200 00 



Summary of Assets Dec 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) . 
Rents due and accrued . . . . 
Perpetual insurance deposit 

Gross assets ..... 



Liabilities. 



Losses claimed and reported 
Less re-insurance 



Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Due and accrued for rent, salaries, etc. 
State and local taxes 
Commissions and brokerage . 
Return premiums .... 
Re-insurance due .... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



31, 1880. 

$372,000 00 

368,583 32 

7,458 56 

310,085 00 

6,200 00 

1,466 65 

44,076 02 

165 00 

39,317 09 

2,112 74 

1,900 00 



$22,354 56 
992 00 

$21,3)2 56 

215,749 89 

57,601 62 

1,874 71 

283 36 

8,229 36 

1,135 84 

140 35 



,153,364 38 



306,377 69 

. $846,986 69 

. 300,000 00 

Surplus over capital $546,986 69 

Income. 

Cash received for fire premiums . . . $291,887 24 
Deduct re-insurance and return premiums . 22,527 52 

Net cash received for fire premiums . . $269,359 72 

Interest received on bonds and mortgages .... 25,670 60 

and dividends received from oil other sources . . 16,626 62 

Income from rents 16,745 94 



Gross cash income 



$328,402 88 



* Total value of property mortgaged . 
Amount of Insurance held as collateral 
28 



$1,105,183 00 
279,250 00 



218 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Deposits returned on perpetual fire risks 

Gross cash expenditures . 



Risks and Premiums. 



$173,617 22 
3,591 51 



$170,025 71 
60,000 00 
46,702 37 
33,093 80 
18,942 98 
24,309 89 



^2,512 25 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . . . 
Deduct amount re-insured • 

Net amount in force 
Perpetual risks in force . 



$41,321,771 
34,279,066 



. $353,074 75 



Premiums. 

00 $180,910 87 
00 298,367 20 



$75,600,837 
31,893,447 



00 $779,278 07 
00 285,023 88 



$43,707,390 
575,727 



00 $494,254 19 
00 5,318 93 



543,131,663 

$2,519,348 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company ... 
Cash dividends declared from organization of company 
Dividends declared during the year (20 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors . . 



00 $488,935 26 
00 $67,766 61 



15,027,813 17 

2,212,399 51 

702,196 00 

60,000 00 

166,450 46 

96,000 00 



GLENS FALLS INSURANCE COMPANY, GLENS FALLS, N.Y. 

[Incorporated May, 1849. Commenced business May, 1850. J 

Paid-up Capital, $200,000. 

R. M. Little, President. J. L. Cunningham, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $600,000 00 $652,950 00 

First National Bank stock .... 10,000 00 15,000 00 



$610,000 00 $607,950 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

. . $12,000 00 $5,500 00 



160 shares First National Bank 



1880.] 



INS. COS. OF OTHER STATES, 



219 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 

Loans on mortgage of real estate (first liens *), 

Interest due or accrued thereon 

Stocks, bonds, etc., as per schedule 

Loans on collateral security as per schedule 

Cash in the office of the company . 

deposited in bank .... 

Premiums in course of collection (gross) 

Prem's more than three months due, $1,230 29 

Gross assets f 



$11,100 00 

276,567 56 

1,846 29 

667,950 00 

5,500 00 

327 69 

56,947 21 

16,626 45 



.,036,865 20 



Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 

Total amount of losses .... 
Less re-insurance 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 



$19,756 66 
7,713 92 
4,200 00 

$31,670 58 
750 00 

$30,920 58 

273,384 16 

2,850 15 



307,154 89 

$729,710 31 
200,000 00 

$529,710 31 



Income. 

Cash received for fire premiums . . . $331,363 12 
Deduct re-insurance and return premiums . 31,410 17 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages 

and dividends received from all other sources . 
Income from rents ......... 



$299,952 95 

18,577 54 

24,462 41 

307 00 



Gross cash income $343,299 90 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid .... 



$187,757 96 
851 14 



$186,906 82 
20,000 00 



* Value of lands mortgaged $307 ,508 00 

Value of buildings thereon 295,642 00 

Amount of Insurance held at collateral . . . '20f>,K7. r > oo 

t Including $'joo,ooo special reserve fundi beld upder n< w York law. 



220 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals . 

Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$58,411,132 00 
36,363,057 00 

$94,774,189 00 
36,321,976 00 

$58,452,213 00 
463,018 00 



$52,255 15 

20,823 70 

8,073 10 

17,896 18 

$305,954 95 



Premiums. 

$537,859 16 
331,363 12 

$869,222 28 
335,229 42 



$533,992 86 
3,547 89 



$57,989,195 00 $530,444 97 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year ...» 
Company's stock owned by directors .... 



$4,194,377 69 

2,388,264 97 

270,000 00 

20,000 00 

175,647 39 

61,440 00 



GREAT WESTERN INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated September, 1855. Commenced business October, 1855.] 

Paid-up Capital, $662,080. 

Ferdinand Motz, President. William T. Lockwood, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $650,000 00 $767,850 00 

West India and Panama Telegraph Co. stock, 10,000 00 2,000 00 
Sandy Hook and City Island Tel. Co. stock . 1,000 00 800 00 

$661,000 00 $770,650 00 
Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in b'k and with Eng. bankers 
Premiums in course of collection (gross) . 
Notes taken for marine and inland risks . 
Gross assets 



$32,700 00 

770,650 00 

315 28 

45,549 43 

89,814 75 

94,286 95 



$1,033,316 41 



1880.] 



INS. COS. OF OTHER STATES. 



221 



Liabilities. 

Losses adjusted unpaid ..... $51,700 00 

claimed and. reported .... 78,000 00 

disputed or resisted .... 42,267 00 

Total amount of losses ..... $171,967 00 

Less re-insurance ...... 23,000 00 

Net amount of unpaid losses .... $148,967 00 

Unearned premiums on outstanding risks . 116,768 00 

Re-insurance due ....,* 10,845 40 

Unpaid scrip ordered to be redeemed . . 2,730 00 

Interest due or accrued on scrip . . . 5,944 83 

Dividends to stockholders unpaid . . . 1,562 60 

Miscellaneous 265 70 

Gross liabilities, except capital . . - 

Surplus as regards policy-holders .... 
Paid-up capital ......... 



Surplus over capital . 

Income. 

Cash rec'd for marine and inland premiums $1,050,469 63 
Deduct re-insurance and return premiums . 319,360 98 

Net cash rec'd for marine and inl'd premiums, ■ 

Unpaid premium notes received during the 

year $103,261 97 

Interest and dividends received from all sources 



$287,083 53 

$746,232 88 
662,080 00 

$84,152 88 



$731,108 65 



32,472 92 



Gross cash income . . . . . . . $763,581 57 

Expenditures. 

Cash paid for marine and inland losses . . $626,203 99 
Deduct salvage and re-insurance . . . 82,998 82 

Net cash paid for marine and inland losses . $543,205 17 

Cash dividends paid 59,528 00 

Interest paid scrip-holders 48 38 

Cash paid for commissions and brokerage .... 53,471 37 

for salaries of officers and employe's . . . 34,961 80 

for state and local taxes 5,696 67 



Gross cash expenditures .... 
Risks and Premiums. 



$696,911 39 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$5,939,084 00 $71,181 21 
110,145,602 00 1,113,590 03 



5110,085,286 00 $1,184,771 24 
102,940,716 00 1,050,617 24 



$13,144,570 00 $134,154 00 
1,703,501 00 17,386 00 



$11,441,009 00 $116,768 00 



222 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company- 
Cash dividends declared from organization of company 
Dividends declared during the year (8 per cent) 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$36,502,981 00 
25,169,374 63 
. 2,895,568 00 
52,966 00 
. 626,203 99 
. 209,760 00 



GUARDIAN FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated February, 1865. Commenced business February, 1865.] 
Paid-up Capital, $200,000. 

William C. Thompson, President. Walter K. Paye, Secretary » 

Detailed Statement of Stocks, Bonds, Etc. 



District of Columbia bonds 

Harlem River and Port Chester R.R. bonds 

New York, Lake Erie, and W. R.R. bonds 



Par value. Market value. 

. $200,000 00 $208,000 00 
15,000 00 18,000 00 
10,000 00 9,750 00 



$225,000 00 $235,750 00 



Securities held as collateral for cash loans: — 

20 shares Harlem Gas Company 

New York Bowery Insurance Company stock . 

United States bonds ...... 

New York, Lake Erie, and W. R.R. bonds . 



$600 00 



Mai'ket value. Loaned thereon. 

$500 00 ) 
400 00 \ 
560 00 500 00 
475 00 300 00 



$1,935.00 $1,400 00 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*), $23,000 00 

Interest due or accrued thereon . . . 675 00 

Stocks, bonds, etc., as per schedule . . 235,750 00 

Loans on collateral security as per schedule . 1,400 00 

Cash in the office of the company . . . 1,790 10 

deposited in bank 2,281 92 

Interest due and accrued .... 24 06 

Premiums in course of collection (gross) . 8,763 95 
Prem's more than three months due, $167 00 

Gross assets ....... $273,685 03 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held ae collateral 



$20,000 00 
40,000 00 
28,800 00 



1880.] 



INS. COS. OF OTHER STATES. 



223 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rents, salaries, etc. . 

for borrowed money . . » . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$5,200 00 

1,500 00 

37,821 13 

500 00 

5,000 00 

900 00 



Surplus over capital 

Income. 

Cash received for fire premiums . . . $92,719 05 
Deduct re-insurance and return premiums . 13,159 00 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from all other sources . . . .... 



$50,921 13 



$222,763 90 
200,000 00 

$22,763 90 



$79,560 05 

1,412 00 

9,228 40 

343 40 



Gross cash income 



,543 85 



Expenditures. 

Cash paid for fire losses $74,807 01 

Deduct salvage and re-insurance . . . 678 47 

Net cash paid for fire losses ... 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for interest on borrowed money 

for incidentals 

Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 



$9,981,805 00 
11,160,100 00 

$21,141,905 00 
10,652,5(50 00 

$10,489,315 00 
423,800 00 



$74,128 54 

13,000 00 

17,690 70 

16,572 50 

1,027 09 

20 00 

8,094 62 

$130,533 45 



Premiums. 

$73,749 57 
92,719 05 

$106,468 62 
87,797 28 

$78,671 34 
3,129 72 



Net amount in forc« 



$10,065,545 00 $75,511 62 



224 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company . . 
Cash dividends declared from organization of company 
Dividends declared during the year (6£ per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors ... 



$1,261,029 00 

775,174 00 

198,000 00 

13,000 00 

70,742 00 

80,000 00 



HANOVER FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April, 1852. Commenced business April, 1852.] 

Paid-up Capital, $500,000. 

Benjamin S. Walcott, President. I. R. Lane, Secretary, 



Detailed Statement of Stocks, 

United States bonds . . . . $1 
Brooklyn city bonds . . . 
Connecticut state bonds 
Missouri state bonds . . .■■■-. 
New York Central Railroad bonds . 
New York and Harlem Railroad bonds . 
Erie Railroad mortgage bonds 
Union Pacific Railroad bonds .... 
75 shares Metropolitan National Bank . 
150 " American Exchange Nat'l Bank . 
100 " Central Trust Company 



Bonds, Etc. 

Par value. 

,000,000 00 $1 
50,000 00 
20,000 00 
27,000 00 
30,000 00 
25,000 00 
50,000 00 
75,000 00 
7,500 00 
15,000 00 
10,000 00 



Market value. 

,133,567 50 
63,100 00 
21,300 00 
29,867 50 
31,200 00 
33,250 00 
65,250 00 
89,375 00 
11,250 00 
18,000 00 
13,500 00 



81,309,500 00 $1,509,660 00 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



United States bonds 

Oregon war bond .... 


• 4 


$1,046 25 > 
2,615 63 i 


$3,150 00 


United States bond . . . 


. 


1,133 75 


1,000 00 


Brooklyn Park loan 


. . 


4,170 00 


3,000 00 


5 shares National Park Bank 


• 1 


705 00^ 




25 ' 


' Phenix National Bank . 


• 1 


500 00 [• 


2,500 00 


245 ' 


' American Coal Company 


. 


2,695 00) 




15 ' 


1 Phenix National Bank . 


. . 


300 00 > 
900 00 > 


800 00 


12 ' 


* Germania Fire Insurance Company 


<JV/V/ vv 


100 ' 


* American Coal Company 


. 


1,100 00 


1,000 00 


200 « 


' N. Y. Cent, and Hudson Riv 


R.R. 


31,000 00 


25,000 00 


100 ' 


* N. Y. Cent, and Hudson Riv. 


R.R. 


15,500 00 > 
3,300 00 i 


15,000 00 


44 < 


' Manhattan Company 


. 


25 < 


• Hanover National Bank 


• 


3,000 00 


1,500 00 



$67,965 63 $52,950 00 



1880.] 



INS. COS. OF OTHER STATES. 



225 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $1,000 00 
Loans on mortgage of real estate (first liens*), 182,750 00 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) . 
Prem's more than three months due, $4,317 39 

Gross assets ..... 
Deduct special deposits in other states 



840 42 
1,509,660 00 
52,950 00 
15,327 57 
48,290 20 
1,994 50 
86,633 59 



Balance . 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance .... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. 

Gross liabilities, except capital 
Deduct liabilities on special deposits 



-$1,899,446 28 
86,068 75 

$1,813,377 53 



$20,908 09 
43,482 71 
25,532 73 

$89,923 53 
237 50 

$89,686 03 

475,262 37 

3,871 29 

$568,819 69 
22,980 37 



545,839 32 



Surplus as regards policy-holders 
Paid-up capital 



$1,267,538 21 
. 500,000 00 



Surplus over capital . . . .... 

Income. 

Cash received for fire premiums . . . $785,837 26 

Deduct re-insurance and return premiums . 49,963 22 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
and dividends received from all other sources . 



$767,538 21 



$735,874 04 
10,360 39 
63,346 89 



Gross cash income 



. $809,581 32 



* Value of lands morttfnijffl 

Value 'if buildings tbereon 



Amouut of Insurance hold as collateral 
29 



1167,600 on 
226,000 00 

17A,9fjO 00 



226 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 



Gross cash expenditures $661,372 70 



$322,449 57 
7,816 60 



$314,632 97 
50,000 00 

115,785 97 
44,971 69 
16,225 98 

119,756 09 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$84,867,440 00 $792,155 52 
92,718,833 00 787,851 88 



Total . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



177,586,273 00 $1,580,007 40 
80,316,650 00 643,099 27 



$97,269,623 00 $936,908 13 
1,473,451 00 10,024 65 



$95,796,172 00 $926,883 48 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$10,788,387 90 
5,542,333 21 
1,034,500 00 
50,000 00 
326,592 05 
103,800 00 



HARTFORD FIRE INSURANCE COMPANY, HARTFORD, 

CONN. 

[Incorporated May, 1810. Commenced business August, 1810.] 

Paid-up Capital, $1,250,000. 

George L. Chase, President. C. B. Whiting, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Hartford National Bank, Hartford . . . $51,100 00 $83,804 00 

Phoenix National Bank, Hartford . . . 46,700 00 78,456 00 

Connecticut River Bank, Hartford . . . 3,000 00 4,000 00 

American National Bank, Hartford . . 15,000 00 22,500 00 

Charter Oak National Bank, Hartford . . 20,000 00 28,000 00 

Farmers' and Mechanics' Nat'l B'k, Hartford, 18,200 00 23,660 00 

Mercantile National Bank, Hartford . . 15,000 00 20,550 00 

First National Bank, Hartford . ... 17,200 00 21,844 00 



1880.] 



INS. COS. OF OTHER STATES. 



227 



JEtna National Bank, Hartford 

City National Bank, Hartford 

Conn. Trust and Safe Deposit Co., Hartford 

American Exchange National Bank, N.Y. 

National Bank of Commerce, New York 

Importers' and Traders' National Bank, N.Y 

Bank of America, New York . 

Manhattan Company Bank, New York 

Merchants' National Bank, New York 

Union National Bank, New York . 

Bank of North America, New York 

Metropolitan National Bank, New York 

Blackstone National Bank, Boston . 

National Bank of Commerce, Boston 

Second National Bank, Boston 

Hide and Leather National Bank, Boston 

Atlantic National Bank, Boston 

First National Bank, Boston . 

Boylston National Bank, Boston 

Merchants' Bank (in liquidation), St. Louis 

Union National Bank, Albany 

First National Bank, Albany . 

Montreal Bank, Montreal 

Ontario Bank, Bowmansville . 

Connecticut River Company . 

Connecticut River Railroad Company 



N. Y., New Haven, and Hartford R.R. 

United States bonds 

Tennessee state bonds 

Alabama state bonds, class A 

South Carolina consols . 

Toledo (O.) water-works bonds 

Watertown (N.Y.) town bonds 

H. River and P. Chester R.R. Co. b'ds (j 

City of New Brunswick (N.J.) bonds 

Pawtucket (R.I.) town bonds 

Dubuque (Io.) city bonds 

Des Moines (Io.) city bonds . 



Co. 



uar.) 



Par value. 

$31,500 00 

20,800 00 

23,000 00 

20,000 00 

10,000 00 

30,000 00 

30,000 00 

10,000 00 

16,700 00 

8,000 00 

7,000 00 

22,500 00 

10,600 00 

3,200 00 

10,900 00 

2,400 00 

3,900 00 

10,000 00 

12,500 00 

10,000 00 

6,200 00 

3,300 00 

30,000 00 

13,000 00 

12,000 00 

2,000 00 

70,000 00 

256,800 00 

33,000 00 

10,000 00 

14,605 00 

5,000 00 

3,500 00 

50,000 00 

45,000 00 

75,000 00 

25,000 00 

50,000 00 



Market value. 

$42,840 00 

21,632 00 

23,230 00 

26,000 00 

15,000 00 

67,500 00 

43,800 00 

13,400 00 

22,545 00 

12,000 00 

7,000 00 

34,650 00 

11,819 00 

3,936 00 

16,595 25 

2,844 00 

6,006 00 

20,400 00 

14,281 25 

2,900 00 

7,130 00 

4,950 00 

50,400 00 

12,512 50 

3,000 00 

3,200 00 

122,500 00 

283,456 00 

16,830 00 

7,400 00 

14,605 00 

5,750 00 

3,500 00 

61,000 00 

47,500 00 

90,000 00 

25,000 00 

52,000 00 



$1,183,605 00$1,501,926 00 



Securities held as collateral for cash loans : — 

Chicago and Rock Island Railroad bonds 
N. Y. Central and Hudson River R.R. bonds 
Lake Erie and Western Railroad bonds . 
Western Union Telegraph Company bonds 
C. C. and I. C. Railroad bonds 
Mobile and Ohio Railroad bonds 



Market value. Loaned thereon. 

$28,200 00 1 
80,600 00 
21,125 00 

81,000 00 
52,500 00 
17,400 00 J 



}>$200,000 00 



228 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



United States bonds 

JEtna Fire Insurance Company stock 

Ohio and Mississippi Railroad bonds 



Market value. Loaned thereon. 

$112,500 00 $105,000 00 

25,755 00 6,732 50 

115,000 00 60,000 00 



$184,080 00 $371,732 50 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $641,175 60 
Loans on mortgage of real estate (first liens*), 736,800 00 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 

Non-resident tax 

Gross assets ..... 
Deduct special deposits in other states 

Balance . ... 



17,412 18 

1,501,926 00 

371,732 50 

2,261 76 

245,299 42 

3,623 50 

225,637 91 

4,897 35 

10,613 25 



■$3,761,379 47 
. 136,508 50 

$3,624,870 97 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Commissions and brokerage . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 



Surplus as regards policy-holders 
Paid-up capital 



$27,830 72 

70,840 61 

20,353 43 

1,189,217 01 

1,500 00 

23,700 00 



$1,333,441 77 
73,872 35 



Surplus over capital . 



- 1,259,569 42 

$2,365,301 55 
. 1,250,000 00 

$1,115,301 55 



Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 



,705,645 59 
110,503 20 



$1,595,142 39 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$800,000 00 
936,500 00 
049,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



229 



Interest received on bonds and mortgages 

and dividends received from all other sources . 
Income from rents ........ 



Gross cash income 

Expenditures. 

Cash paid for fire losses 

dividends paid 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes 
for incidentals . 

Gross cash expenditures . 



,367 97 
98,757 18 
20,634 58 



,775,902 12 



$828,975 32 

248,500 00 

229,353 36 

113,725 16 

34,403 33 

112,429 93 

$1,567,387 10 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 



Premiums. 

$197,045,538 00 $2,191,512 85 
161,547,931 00 1,705,645 59 



$358,593,469 00 $3,897,158 44 
152,438,111 00 1,578,698 55 



$206,155,358 00 $2,318,459 89 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (20 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . 



$37,262,184 23 
23,720,758 26 
. 4,063,100 00 
. 250,000 00 
. 823,893 62 
. 168,600 00 



HOFFMAN FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated May 4, 1864. Commenced business May 4, 1864.] 

Paid-up Capital, $200,000. 

Marcus F. Hodges, President. John D. Macintyre, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States bonds 



New York Cent, and Hudson River R.R 
American Exchange Bank stock 
Bank of the Metropolis stock . 
Metropolitan Railroad bonds . 



b'da 



$130,000 00 

20,000 00 

10,000 00 

7,500 00 

10,000 00 



Market value. 

138,902 50 

30,950 00 

12,500 00 

9,000 00 

10,837 50 



$177,500 00 $201,750 00 



230 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 

9 shares Bank of New York .... 
29 " Star Fire Insurance Company . 



Market value. Loaned thereon. 

$1,260 00 $950 00 
3,480 00 1,800 00 



:,740 00 $2,750 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) 
Gross assets ...■'.. 

Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance . . 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
State and local taxes .... 
Commissions and brokerage . 
Return premiums . . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$27,458 42 

66,200 00 

1,470 33 

201,750 00 

2,750 00 

1,803 65 

25,334 20 

1,016 25 

12,271 59 



$8,318 61 
6,130 40 
2,236 47 

$16,685 48 
384 11 

$16,301 37 

77,671 51 

1,875 00 

1,018 35 

70 59 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $160,644 62 
Deduct re-insurance and return premiums . 16,932 47 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents 



$340,054 44 



96,936 82 

$243,117 62 
200,000 00 

$43,117 62 



$143,712 15 
7,886 75 
8,205 18 
2,437 10 



Gross cash income $162,241 18 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$54,400 00 
82,600 00 
63,600.00 



1880.] 



INS. COS. OF OTHER STATES. 



231 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses . 
dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$89,510 13 
1,923 11 



$87,587 02 
115 91 
20,000 00 
24,755 57 
19,000 00 
872 59 
20,056 98 

$172,388 07 



Risks and Premiums. 



Fire risks outstanding Dec 31, 1879 
written during 1880 

Total 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
Deduct risks expired and terminated 



$13,939,298 00 
18,934,040 00 

$32,873,338 00 
16,98S,682 00 

$15,884 656 00 
. 476,539 00 



Premiums. 

$137,240 47 
165,493 72 

$302,734 19 
146,946 58 

$155,787 61 
4,032 85 



$15,408,117 00 $151,754 76 



$2,500 00 
2,500 00 



$125 00 
125 00 



Miscellaneous. 

Premiums received from organization of company . 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent) . 

Fire losses incurred during the year . 

Marine and inland losses incurred during the year 

Company's stock owned by directors . . . . 



52,270,762 24 

1,429,804 13 

170,000 00 

20,000 00 

90,826 17 

115 91 

43,050 00 



HOME INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April, 1853. Commenced busineHH April 18, 1853.] 

Paid-up Capital, $3,0OH,000. 

Charles J. Martin, President. John II. Washburn, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds .... $3,300,000 00 S3, 581,000 00 
Mississippi state warrants .... 20,000 00 20,000 00 

New York city bonds 35,000 00 36,750 00 



232 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Brooklyn city bonds .... 
Watertown city bonds .... 
New York Cent, and Hudson R. R.R. stock 
Lake Shore and Mich. Southern R.R. bonds 
100 shares Hanover National Bank 
200 " American Exchange National Bank 

80 " Fourth National Bank . 
125 " St. Nicholas National Bank . 
225 " Metropolitan National Bank . 
200 " Mercantile National Bank 
300 " Merchants' Exchange Nat'l Bank 
160 " Chatham National Bank 
200 " National Bank of the Republic 
100 " National Bank of Commerce . 
150 " Nat'l Butchers' and Drovers' Bank 
200 " Bank of America . 
200 " Manhattan Company 



Par value. 

$50,000 00 
70,000 00 

100,000 00 

34,000 00 

10,000 00 

20,000 00 

8,000 00 

12,500 00 

22,500 00 

20,000 00 

15,000 00 

4,000 00 

20,000 00 

10,000 00 

3,750 00 

20,000 00 

10,000 00 



Market value. 

$62,500 00 
73,500 00 

154,000 00 

35,700 00 

11,000 00 

24,000 00 

9,280 00 

13,750 00 

33,750 00 

21,000 00 

14,700 00 

4,400 00 

25,600 00 

14,500 00 

3,862 50 

2S,400 00 

13,500 00 



$3,784,750 00 $4,184,192 50 



Securities held as collateral for cash loans : — 



10 shares St. Nicholas National Bank 

United States bonds 

227 shares Union Trust Company . 

10 " St. Nicholas National Bank 
457 " Long Island Bank . 
United States bonds 

11 shares National Bank of Commerce 
100 " Lake Shore and Mich. South'n R.R 

35 " Importers' and Traders' Nat'l B'k 
St. Paul and Sioux City Railroad bonds . 
300 shares National Bank of the Republic 
100 " New York Cent, and Hud. R. R.R 

30 " St. Nicholas National Bank . 
Scotland county (Mo.) bonds . . 

23 shares Metropolitan National Bank . 
100 " Island City Bank . 

20 " Merchants' Exchange Nat'l Bank 

48 " National Broadway Bank 
100 " New York Cent, and Hud. R. R.R 
Fonda, Johnstown, and Glov. R R. bonds 
Toledo, Delphos, and Burlington R.R. bonds 
New Haven and Northampton R.R. bonds 
49 shares New Haven County Bank 
Lehigh and Wilkesbarre R.R. bonds 
Chicago and North- Western R.R. bonds 
Central Railroad of New Jersey bonds . 
100 shares New York Cent, and Hud. R. R.R 
United States bonds .... 



Market value. 

$1,100 00 

5.075 00 

39,725 00 

1,100 00 

22,850 00 

3,933 12 

1,595 00 

13,800 00 

8,050 00 

15,750 00 

38,400 00 

15,400 00 

3,300 00 

3,000 00 

3,450 00 

3,750 00 

980 00 

2,940 00 

15,400 00 

57,500 00 

79,200 00 

2,400 00 

539 00 

21,000 00 

25,600 00 

34,800 00 

15,400 00 

34,060 00 



Loaned thereon. 

$400 00 
4,500 00 

I 23,500 00 

18,000 00 
3,100 00 
1,000 00 



2,580 63 

10,000 00 
28,000 00 

15,000 00 



^ 5,000 00 

2,000 00 
7,000 00 

I 40,000 00 

I 2,300 00 

1 
100,000 00 



1880.] 



INS. COS. OF OTHER STATES, 



233 



660 shares Chatham National Bank 
Central Iowa Railroad bonds . 

5 shares American Exchange National Bank 
25 " Irving National Bank 
30 " Citizens' Insurance Company 
Wabash Railroad bonds . 
Lake Erie and Western Railroad 
130 shares Manhattan Gas-Light Company 
300 " Brooklyn City Railroad . 
125 " Forty-sec. and Grand st. Ferry R.R 
Pittsburg, Ft. W., and Chicago R R. bonds 
Houston and Texas Railroad bonds 
200 shares Chatham National Bank 

20 " National Park Bank 
Columbus and Hocking Valley R.R. bonds 
United States bonds .... 



Market value. 

$18,150 00 

5,700 00 

600 00 

1,406 25 

1,230 00 

12,720 00 
3,285 00 

11,050 00 
5,100 00 

21,250 00 
1,400 00 
1,127 50 
5,500 00 
2,820 00 
1,000 00 
3,933 12 



Loaned thereon. 

$16,500 00 

4,000 00 

500 00 

- 1,250 00 
» 13,000 00 

>■ 20,000 00 

I 1,800 00 

5,000 00 

1,000 00 

250 00 

3,000 00 



$566,368 99 $328,680 63 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $51,952 51 
Loans on mortgage of real estate (first liens *), 1,861,808 00 
Interest due or accrued thereon . . . 41,8(32 08 
Stocks, bonds, etc., as per schedule . . 4.184,192 50 

Loans on collateral security as per schedule . 328,680 63 
Cash deposited in various banks . . . 256,116 67 
Interest due and accrued .... 17,807 60 

Premiums in course of collection (gross) . 118,085 15 

Prem's more than three months due, $1,984 16 

Gross assets ...... {J 

Deduct special deposits in other states . .... 



Balance 



3,860,505 14 
184,750 00 

1,675,755 14 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses . 



$50,223 61 

176,030 75 

44,899 46 



$271,153 82 
3,067 06 

$267,4S0 16 



* Value of lands mortgaged 
Value of buildlngfl thereon 



Amount of inaurauce held an collateral 
30 



12,290,500 no 
1,07:"), 550 00 
1,533,250 00 



234 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
State and local taxes .... 

Gross liabilities, except capital 
Deduct liabilities on special deposits 

Surplus as regards policy-holders 
Paid-up capital 



,931,273 00 
22,500 00 



$2,221,259 16 
. 105,273 42 



-$2,115,985 74 

$1,559,769 40 
. 3,000,000 00 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . . — 

Interest received on bonds and mortgages 

and dividends received from all other sources 

Gross cash income ...... 



,559,769 40 



$2,769,503 65 
. 245,363 42 



-$2,524,140 23 
. 107,642 80 
. 176,953 19 

$2,808,736 22 



Expenditures. 

Cash paid for fire losses . . . . $1,344,797 64 
Deduct salvage and re-insurance . . . 43,085 45 
Net cash paid for fire losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



$1,301,712 19 
300,000 00 
457,703 82 
246,372 20 
38,811 82 
197,545 36 

$2,542,145 39 



Fire risks outstanding Dec 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 



$349,791,990 
298,087,980 



Premiums. 

00 $3,659,124 00 
00 2,769,503 65 



$647,879,970 
291,836,187 



00 $6,428,627 65 
00 2,614,023 65 



$356,043,783 
1,262,011 



00 $3,814,604 00 
00 18,212 00 



Net amount in force . . . $354,781,772 00 $3,796,392 00 

Miscellaneous. 



Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . 



$50,931,551 35 

31,282,295 74 

. 5,215,000 00 

. 300,000 00 

. 1,320,433 54 

. 422,600 00 



1880.] 



INS. COS. OF OTHER STATES. 



235 



HOWARD INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated March, 1825. Commenced business April 19, 1825.] 
Paid-up Capital, $500,000. 
Henry A. Oakley, President. Charles A. Hull, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds .... 
New York city and county bonds . 
Delaware and Hudson Canal Company bonds 
United New Jersey R.R. and Canal bonds 
National Bank of Commerce stock . 
Metropolitan National Bank stock . 
American Exchange National Bank stock 
Merchants' National Bank stock 
Phenix National Bank stock . 
Manhattan Gas-Light Company bonds . 
New York Gas- Light Company bonds 
Buffalo, B., and Pittsburg Railroad bonds 
Lake Erie and Western Railroad bonds . 
Bank of Manhattan stock 



Summary of Assets Dec 
Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in bank . 
Interest due and accrued . 
Premiums in course of collection (net) 
Rents due and accrued . 

Gross assets .... 

Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Par value. 

$400,000 00 

15,000 00 

30,000 00 

4,000 00 

2,800 00 

7,500 00 

16,000 00 

650 00 

2,800 00 

2,500 00 

5,000 00 

10,000 00 

3,000 00 

1,500 00 



Market value. 

$488,455 00 

16,500 00 

32,800 00 

4,800 00 

4,060 00 

11,250 00 

20,160 00 

845 00 

2,940 00 

4,375 00 

5,000 00 

11,000 00 

3,300 00 

2,175 00 



$500,750 00 $607,660 00 

31, 1880. 

$115,000 00 

26,400 00 

761 67 

607,660 00 

328 81 

34,336 36 

2,542 50 

25,216 87 

537 50 

$812,783 71 



Surplus over capital 



t,576 10 
300 00 

149,098 09 



- 163,974 19 

. $018,809 52 
. 500,000 00 



. $148,809 52 



* Value of landH mortgaged 
Value of building* thereon 

Amount of insurance hold an collateral 



$41,800 00 
16,000 00 

14,000 00 



236 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Cash received for fire premiums . . . $288,247 03 
Deduct re-insurance and return premiums . 33,258 88 

Net cash received for fire premiums . . $254,988 15 

Interest received on bonds and mortgages .... 2,495 50 

and dividends received from all other sources . . 28,638 65 
Income from rents . 3,821 13 

from all other sources . . . .... 913 63 



Gross cash income $290,857 06 



Expenditures. 

Cash paid for fire losses ..... 

Deduct salvage and re-insurance 

Net cash paid for fire losses .... 

Cash dividends paid . . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for interest on borrowed money 
for incidentals .... 

Gross cash expenditures .... 



$109,142 07 
3,723 17 



$105,418 90 
50,000 00 
37,958 60 
32,238 54 
8,659 74 
150 48 
30,391 18 

. $264,817 44 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$25,977,594 00 $226,605 85 
37,622,965 00 294,827 60 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$63,600,559 00 $521,433 45 
31,523,833 00 225,552 61 



$32,076,726 00 $295,880 84 
1,026,330 00 8,505 34 



$31,050,396 00 $2S7,375 50 



Miscellaneous. 

Premiums received from March, 1836 
Losses paid from March, 1836 .... 
Cash dividends declared from March, 1836 
Dividends declared during the year (10 per cent) 
Fire losses incurred during the year 
Company's stock owned by directors 



$6,872,542 00 
. 4,554,148 00 
. 2,080,875 00 

50,000 00 
. 106,464 31 

59,150 00 



1880.] 



INS. COS. OF OTHER STATES. 



237 



PRESIDENT AND DIRECTORS OF THE INSURANCE COM- 
PANY OF NORTH AMERICA, PHILADELPHIA, PENN. 

[Incorporated April 14, 1794. Commenced business 1792.] 

Paid-up Capital, $2,000,000. 

Charles Platt, President. Matthias Maris, Secretary. 

Detailed Statement of Stocks, 



United States bonds 

Baltimore city loan 

Pennsylvania state loan 

New Jersey state bonds 

Delaware state bonds 

Connecticut state bonds 

Philadelphia city bonds, 6s 

Cincinnati city bonds 

Indianapolis city bonds, 7^s . 

Hartford city bonds, 6s . 

Rochester city bonds, 7s . 

Fall River city bonds, 5s (gold) 

Toledo city bonds, 8s 

Harrisburg city bonds, 6s 

Providence city bonds, 4s (gold) 

Newark city bonds, 4s . 

Cleveland city bonds, 7s . 

Boston city bonds, 6s 

Williamsport city bonds, 6s 

Dayton city bonds, 8s 

Burlington city bonds, 8s 

Louisville and Nashville R.R. Co.'s bonds 

Pennsylvania Railroad Company bonds 

Delaware Railroad loan (guaranteed) 

Chesapeake and Delaware Canal Co. bonds, 6s 

North Pennsylvania Railroad bonds 

Belvidere and Delaware R.R. mortgage bonds 

Delaware Division Canal Company bonds, 6s 

Delaware and Raritan Canal Co. and C. and 

A. R.R. and Transportation Company 
Lehigh Coal and Navigation Company bonds 
Lehigh Valley Railroad Company bonds 
Penn. and N. Y. Canal and R.R. b'ds (guar.) 
Phila. and Reading Railroad Company bonds 
Lehigh Valley R.R. Company mortgage bonds 
Little Schuylkill Nav. and R.R, Co. bonds 
E as ton and Amboy R.R. Company's bonds 
William Cramp & Sons' dry docks bonds 
Phila., Wil., and Baltimore Railroad bonds 



Bonds, 


Etc 






Par value. 


Market value. 


8800,000 


00 


$813,000 00 


200,000 


00 


220 


000 00 


509,000 


00 


591 


185 00 


54,000 


00 


64 


800 00 


10,000 


00 


12 


000 00 


52,000 


00 


62 


400 00 


100,000 


00 


129 


000 00 


58,000 


00 


75 


400 00 


30,000 


00 


37 


500 00 


50,000 


00 


62 


500 00 


25,000 


00 


31 


500 00 


30,000 


00 


31 


500 00 


21,000 


00 


26 


250 00 


15,000 


00 


17 


550 00 


25,000 


00 


26 


250 00 


20,000 


00 


23 


400 00 


36,500 


00 


45 


,625 00 


200,000 


00 


240 


000 00 


3,000 


00 


1 


,500 00 


11,000 


00 


13 


860 00 


12,000 


00 


12 


000 00 


50,000 


00 


52 


250 00 


400,000 


00 


434 


000 00 


25,000 


00 


29 


500 00 


37,000 


00 


30 


710 00 


35,000 


00 


37 


625 00 


50,000 


00 


55 


000 00 


15,000 


00 


12 


750 00 


11,000 


00 


11 


770 00 


9,500 


00 


10 


700 00 


75,000 


00 


93 


437 00 


30,000 


00 


37 


200 00 


433,000 


00 


513 


000 00 


50,000 


00 


58 


000 00 


30,000 


00 


32 


,100 00 


63,000 


00 


60 


150 00 


20.000 


00 


20 


000 00 


39,000 00 


40 


020 00 



238 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Steam-tug " North America " 
100 shares Philadelphia National Bank . 
228 u Chesapeake and Delaware Canal Co. 
50 " Sandy Hook Quarantine and C. I. 
Telegraph Company ..... 
Mutual Insurance scrip ..... 



Par value. 

$54,543 05 
10,000 00 
11,400 00 

1,000 00 
17,970 00 



Market value. 

$54,543 05 

20,100 00 

4,560 00 

1,000 00 
17,970 00 



$3,734,913 05 $4,181,605 05 



Securities held as collateral for cash loans : 



Market value. Loaned thereon. 



60 shares Insurance Co. of North America 
13 " Germania Insurance Company . 
New Jersey Car Trust Certificates . 

9 shares Pennsylvania Company for Insur- 
ances on Lives, etc. 
600 " Lehigh Valley Railroad Company . 
100 " Delaware Division Canal Company, 



$1,980 00 

1,950 00 

63,000 00 

2,295 00 

34,650 00 

3,800 00 



$600 00 

650 00 

30,000 00 

1,200 00 
30,000 00 



$107,675 00 $62,450 00 



Summary op Assets Dec. 31, 1880. 
Cash value of unencumbered real estate . . $277,149 17 
Loans on mortgage of real estate (first liens *), 1,330,548 37 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) . 
Notes taken for marine and inland risks . 
Gross assets . . . . . 
Deduct special deposits in other states . 



28,683 17 

4,181,605 05 

62,450 00 

772,511 16 

343 50 

402,058 44 

245,587 40 



Balance 



-$7,300,936 26 
35,000 00 

$7,265,936 26 



Liabilities. 

Losses adjusted unpaid $42,281 00 

claimed and reported .... 456,327 00 
disputed or resisted .... 6,392 00 
Unearned premiums on outstanding risks . 1,571,419 21 
Reclaimable on perpetual fire policies . . 384,989 89 
Amount received on account of increased cap- 
ital and surplus 318,882 00 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



$2,837,000 00 
880,175 00 



1880.] INS. COS. OF OTHER STATES. 

Contested state taxes ..... $65,652 74 



239 



Gross liabilities, except capital 
Deduct liabilities on special deposits 



Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 



$2,845,943 84 
19,115 36 



42,826,828 48 

$4,439,107 78 
2,000,000 00 



^2,439,107 78 



Income. 

Cash received for fire premiums . . $1,582,508 72 

Deduct re-insurance and return premiums . 120,679 57 

Net cash received for fire premiums . . ■ —$1,461,829 15 

Cash rec'd for marine and inland premiums, $2,601,429 05 
Deduct re-insurance and return premiums . 391,501 69 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the 

year $245,587 40 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents ......... 

Deposits received for perpetual fire risks . $33,374 00 

Received for calls on capital .... 318,882 00 



2,209,927 36 



80,754 75 

208,142 40 

20,027 09 



Gross cash income 



$3,980,680 75 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for marine and inland losses . 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Deposits returned on perpetual fire risks 



$760,882 17 
17,656 19 



52,239,132 41 
451,167 10 



$13,316 91 



$743,225 98 



1,787,965 31 

400,000 00 

417,969 20 

128,900 00 

127,143 41 

206,343 07 



Gross cash expenditures 



$3,811,517 57 



240 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1879 . $168,411,876 00 $1,993,263 19 
written during 1880 . . 153,046,953 00 1,582,508 72 



Total $321,458,829 00 $3,575,771 91 

Deduct risks expired and terminated . 133,617,139 00 1,3S5,593 60 



In force at end of year . . . . $187,841,690 00 $2,190,178 31 

Perpetual risks in force .... 14,518,24500 405,25251 

Marine risks outstanding Dec. 31, 1879 . $27,566,099 00 $445,865 76 

written during 1880 . . 290,095,128 00 2,601,429 05 



Total $317,661,227 00 $3,047,294 81 

Deduct risks expired and terminated . 275,638,253 00 2,600,646 07 



In force at end of year .... $42,022,974 00 $446,648 74 

Miscellaneous. 

Premiums received from organization of company . . $57,339,272 14 

Losses paid from organization of company . . . 41,976,290 26 

Cash dividends declared from organization of company, 6,253,731 78 

Dividends declared during the year (20 per cent) . . 400,000 00 

Fire losses incurred during the year .... 750,641 92 

Marine and inland losses incurred during the year . 1,812,965 31 

Company's stock owned by directors .... 230,840 00 



THE INSURANCE COMPANY OF THE STATE OF PENN- 
SYLVANIA, PHILADELPHIA, PENN. 

[Incorporated April 18, 1794. Commenced business Nov. 5, 1794.] 

Paid-up Capital, $200,000. 

Henry D. Sherrerd, President. Jos. H. Hollinshead., Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value 

20 shares Philadelphia Bank . 
284 " Lehigh Valley Railroad Company 

20 " Philadelphia and So. Mail S.S. Co 
5 u Susq. and York Turnpike Co. 

10 " Easton and W. Turnpike Company 
Schuylkill Navigation Company bonds . 
Chesapeake and Delaware Canal Co. bonds 
Lehigh Coal and Navigation Company bonds 
Philadelphia city bonds .... 
Pennsylvania Railroad bonds . 



$2,000 00 $4,260 00 

14,200 00 10,188 00 

2,500 00 20 00 

500 00 275 00 

250 00 50 00 

3,000 00 2,190 00 

5,000 00 4,100 00 

10,000 00 10,500 00 

30,000 00 37,500 00' 

15,000 00 16,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



241 



Harrisburg, P., Mt. J., and L. R.R. bonds . 
Camden and A. Railroad and Delaware and 

Raritan Canal and T. Company bonds 
North Pennsylvania Railroad bonds 
West Jersey Railroad bonds . 
Delano Land Company bonds . 
American Steamship Company bonds 
United States bonds .... 
Railway Equipment Trust of Penn. bonds 
Mutual Insurance Company scrip . 
New York Car Trust Loan 
Philadelphia and Reading R.R. Co. certif. 



Securities held as collateral for cash loans 

300 shares Bethlehem Iron Company 
Delaware Bridge Company bonds . 
Syracuse, Geneva, and Corning R.R. bonds 
New Jersey Car Trust bonds . 
92 shares Continental Hotel Company . 
169 " North Pennsylvania Railroad . 
100 " Girard Life A. and T. Company 
171 " Delaware Mutual S. Ins. Company 
International Navigation Company bonds 
1250 shares Lehigh Valley Railroad 

38 " American Linen Company . 
New Jersey Car Trust bonds . 
Car Trust of New York .... 
New York and Pacific Car Trust . 
Car Trust of New York .... 
300 shares Mine Hill and S. Haven Railroad 
Personal note (on demand) 



Par value. 

$15,000 00 

5,000 00 
10,000 00 
30,000 00 
10,000 00 
10,000 00 
10,000 00 

2,000 00 

244 50 

20,000 00 

10,100 00 



Market value. 

$15,750 00 

5,700 00 
10,600 00 
30,000 00 
10,000 00 
11,000 00 
11,187 50 

2,020 00 

244 50 

20,200 00 

9,948 50 



$204,794 50 $216,733 50 



Market value. 

$22,500 00 

11,000 00 

23,100 00 

10,100 00 

5,520 00 

9,464 00 

4,000 00 

6,840 00 

10,500 00 

72,187 50 

30,400 00 

13,130 00 

11,110 00 

4,000 00 

14,140 00 

17,100 00 



Loaned thereon. 

$15,000 00 
10,000 00 
20,000 00 
10,000 00 



25,000 00 



50,000 00 
12,000 00 

25,000 00 

12,000 00 
12,975 00 
12,000 00 



$265,091 50 $203,975 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . . 

Loans on mortgage of real estate (first liens *), 

Interest due or accrued thereon 

Stocks, bonds, etc., as per schedule 

Loans on collateral security as per schedule 

Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 



$56,822 83 

135,250 00 

4,205 50 

210,733 50 

203,975 00 

490 17 

21,286 06 

3,045 150 



* Value of lands mortgaged 
Value of building then 

Amount oi' insurance held no collateral 

61 



| 107, ".oi) oi) 
168,2 10 00 



242 FIRE, MARINE, AND FIRE -MARINE [Dec. 31, 



Premiums in course of collection (gross) . . $41,309 56 

Notes taken for marine and inland risks . . 15,737 56 

Re-insurance perpetual deposits . . . 1,600 00 

Gross assets 



$700,461 48 



Liabilities. 
Losses adjusted unpaid .... 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital . 



Surplus over capital 



$39,087 00 

137,271 03 

80,315 65 

405 00 

3,756 80 



260,835 48 

$439,026 00 
200,000 00 

$239,626 00 



Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Cash rec'd for marine and inland premiums 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums, 
Unpaid premium notes received during the 
year ........ 

Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from rents ....... 

Profit and loss account ...... 

Gross cash income ...... 



$193,335 97 
22,111 80 

$183,310 30 
52,629 86 



$15,737 56 



$171,224 17 



130,680 44 



8,206 86 

17,624 21 

1,224 82 

513 23 



$329,473 73 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Deposits returned on perpetual fire risks 

Gross O0,sh expenditures . 



$93,723 27 
1,207 29 

[1118,377 48 
19,977 63 



,910 00 



$92,515 98 

98,399 85 
23,868 00 
43,654 24 
12,200 00 
5,296 35 
20,069 65 

$290,004 07 






1880.] 



INS. COS. OF OTHER STATES. 



243 



Risks and Premiums, 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$18,118,297 00 
21,387,809 00 



Premiums. 

$160,870 57 
193,335 97 



$39,506,106 00 
19,145,331 00 

$20,360,775 00 
418,815 00 



$354,206 54 
162,529 06 

$191,677 48 
3,950 97 



$19,911,960 00 $187,726 51 

$2,120,542 00 $39,857 23 

19,507,744 00 183,310 30 

$21,628,286 00 $223,167 53 

19,557,309 00 178,337 44 

$2,070,977 00 $44,830 09 

162,778 00 2,507 83 

$1,908,199 00 $42,322 26 



Miscellaneous. 

Premiums received from organization of company . 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (12 per cent) . 

Fire losses incurred during the year . 

Marine and inland losses incurred during the year 

Company's stock owned by directors . 



$16,065,350 00 

13,544,827 00 

4,004,406 00 

24,000 00 

97,548 00 

113,156 00 

26,200 00 



IRVING INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 30, 1872. Commenced business April 30, 1872.] 

Paid-up Capital, $200,000. 

Martin L. Crowell, President. William A. Magarical, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $195,000 00 $208,800 00 



Securities held as collateral for cash loans: 

20 shares Irving National Bank 
20 '* Third-avenue Railroad 

5 " Mercantile Insurance Company 
40 " Lorillard Insurance Company . 

6 " Natioual Exchange Bank . 



Market value. Loaned thereon. 
$1,300 00 ) 
3,900 00 \ 

450 00 

720 00 I 

000 00 ^ 



$2,750 00 

300 00 

1,100 00 



50,070 00 $1,160 00 



244 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1880. 



Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) 
Prem's more than three months due, $160 00 
Gross assets 

Liabilities. 

Losses claimed and reported ... 

disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
State and local taxes . . '. . 

Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$37,600 00 

188 00 

208,800 00 

4,150 00 

350 96 

1,021 75 

5,724 04 



$1,334 20 
330 00 

35,679 40 
533 33 
350 00 
412 00 



$257,834 75 



38,668 93 

$219,165 82 
200,000 00 



Surplus over capital 

Income. 

Cash received for fire premiums . . . $77,212 99 
Deduct re-insurance and return premiums . 4,028 57 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
and dividends received from all other sources . 

Gross cash income . . . ..... 



,165 82 



$73,184 42 
2,412 00 
7,989 01 

$83,585 43 



Expenditures. 

Cash paid for fire losses ..... 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for interest on borrowed money 
for incidentals .... 

Gross cash expenditures .... 



$39,788 48 
529 72 



$39,258 76 

14,325 50 

11,594 81 

7,600 00 

854 34 

162 08 

7,124 61 

$80,920 10 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$58,500 00 
55,500 00 
41,500 00 



1880.] INS. COS. OF OTHER STATES. 

Risks and Premiums. 



245 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

JSTet amount in force 



Premiums. 

$7,130,060 00 $67,122 66 
8,752,989 00 76,824 66 



$15,883,049 00 $143,947 32 
8,586,934 00 72,207 48 



$7,296,115 00 $71,739 84 
58,346 00 421 05 



$7,237,769 00 $71,318 79 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (7 per cent) 
Fire losses incurred during the year . . . . 

Company's stock owned by directors . . 



5,031 54 

460,519 37 

151,000 00 

14,000 00 

34,051 27 

89,000 00 



JEFFERSON INSURANCE COMPANY IN THE CITY OF NEW 

YORK, N.Y. 

[Incorporated March 4, 1824. Commenced business March 31, 1824.J 

Paid-up Capital, $200,010. 

Samuel E. Belcher, President. William B. Flowery, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $330,000 00 $348,120 00 

100 shares New York and Harlem Railroad . 5,000 00 9,900 00 



$335,000 00 $358,020 00 



Securities held as collateral for cash loans: — 



25 shares New York Bowery Insurance Co 
Union Pacific Railroad bonds . 
20 shares New York Gas-Light Company 
80 " Fireman's Insurance Company, X.V 
50 " N. Y., Providence, and Boston It. R. 
68 " Tradesmen's Nat'l Bank, New York, 
United States bonds . 



Market value. Loaned thereon. 



$1,500 00 
2,340 00 
2,040 00 > 
515 L0 f 
6,250 00 
2,992 00 

11,237 50 



|500 00 
1,500 00 

1,700 00 

8,250 00 

2,000 00 
8,()oo 00 



$20,871 60 $16,950 00 



246 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*), $138,825 00 

Interest due or accrued thereon . . . 3,444 62 

Stocks, bonds, etc., as per schedule . . . 358,020 00 

Loans on collateral security as per schedule . 16,950 00 

Cash in the office of the company . . . 16,314 31 

deposited in various banks . . . 9S4 91 

Interest due and accrued .... 5,843 66 

Premiums in course of collection (gross) . 4,313 96 

Gross assets $544,696 46 

Liabilities. 

Losses claimed and reported .... $394 84 

disputed or resisted . . . . 3,000 00 

Unearned premiums on outstanding risks . 29,806 73 

Unpaid scrip ordered to be redeemed . . 806 40 

Interest due or accrued on scrip . . . 790 29 

Dividends to stockholders unpaid . . . 1,294 50 

Due and accrued for rent ..... 500 00 

State and local taxes ..... 3,696 92 

Commissions and brokerage .... 524 55 

Return premiums ...... 443 54 

Re-insurance ....... 48 54 

Gross liabilities, except capital and scrip . ■ 

Surplus as regards policy-holders .... 

Paid-up capital $200,010 00 

Scrip outstanding not ordered to be redeemed, 200,816 40 



41,306 31 
$503,390 15 



400,826 40 



Surplus over capital and scrip 

Income. 
Cash received for fire premiums . . . $59,615 29 
Deduct re-insurance and return premiums . 7,493 00 

Net cash received for fire premiums . . — ■ : — 

Interest received on bonds and mortgages .... 
and dividends received from all other sources . 

Gross cash income 



$102,563 75 



$52,122 29 

9,475 63 

18,047 71 

$79,645 63 



Expenditures. 

Cash paid for fire losses . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash dividends paid .... 



$16,368 32 
822 11 



$15,546 21 
19,S97 50 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$214,300 00 
194,050 00 
161,400 00 



1880.] 



INS. COS. OF OTHER STATES. 



247 



Cash paid for redemption of scrip . • 
Interest paid scrip-holders .... 
Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local ta,xes . 

for rent ...... 

for incidentals . . 

Gross cash expenditures .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

_L o xai « • • • . 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$10,760, 630 00 
15,197,761 00 

$25,058,397 00 
12,925,927 00 

$13,032,460 00 
345,733 00 



$28 20 

11,808 25 

2,321 69 

12,308 33 

842 53 

3,000 00 

3,256 79 

$69,009 50 



Premiums. 

$44,829 79 
65,558 46 

$110,388 25 
50,795 54 

$59,592 71 
1,235 57 



$12,686,737 00 $58,357 14 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . . . . 
Company's stock owned by directors . . . . 



3,927,171 04 

1,755,732 40 

1,534,884 61 

20,001 00 

13,924 70 

33,770 00 



KNICKERBOCKER FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated 1787. Commenced business 1787.] 

Paid-up Capital, $280,000. 

Peter V. King, President. Edmund W. Albro, Secretary. 

Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $100,000 00 
Loans on mortgage of real estate (first liens*), 48,900 00 



Interest due or accrued thereon 

United States bonds 

Cash in the office of the company 

deposited in various bunks 
Interest due and accrued 



489 00 

155,389 37 

415 71 

9,5 12 98 

82 22 



* Value of lands mortgaged 
Value of buildlngfl thereon 

Amount of insuranco held ua collateral 



$116,070 50 
02,42'» 60 
40,000 00 



248 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Premiums in course of collection (gross) 
Rents due and accrued . 
Gross assets 



$4,515 73 
741 66 



$320,076 67 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



$4,224 73 
745 00 

32,356 28 

50 00 

403 14 



37,779 15 

£282,297 52 
280,000 00 

$2,297 52 



Income. 

Cash received for fire premiums . . . $92,909 57 
Deduct re-insurance and return premiums . 2,625 62 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents ......... 



$90,283 95 
4,416 59 
8,985 74 
4,175 00 



Gross cash income $107,861 28 



Expenditures. 

Cash paid for fire losses . . . . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . . . . 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 



,758 93 
1,522 57 



$68,236 36 

4,587 54 

12,780 00 

3,019 99 

30,870 81 



Gross cash expenditures . . . .... $119,494 70 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$16,371,944 00 
17,521,941 00 



Premiums. 

£75,400 84 
85,315 07 



$33,893,885 00 $100,715 91 
20,731,872 00 89,882 48 



$13,159,013 00 $70,833 43 
614,101 00 3,280 78 



$12,544,912 00 $67,552 Qo 



1880.] 



INS. COS. OF OTHER STATES. 



249 



Miscellaneous. 

Premiums received since 1846 
Losses paid since 1846 
Cash dividends declared since 1846 
Fire losses incurred during the year 
Company's stock owned by directors 



^2,289,247 45 
811,620 50 

1,316,000 00 
59,586 74 
46,440 00 



LAMAR INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 3, 1872. Commenced business April 3, 1872.] 

Paid-up Capital, $200,000. 

A. R. Frothingham, President. William R. MacDiarmid, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 



United States bonds . . . . 
40 shares National Bank of Commerce . 
50 " National Bank of the Republic 
54 " St. Nicholas National Bank . 



5215,000 00 1218,225 00 

4,000 00 5,880 00 

5,000 00 6,500 00 

5,400 00 5,940 00 



$229,400 00 1236,545 00 



Securities held as collateral for cash loans : — 



16 shares Mechanics' National Bank 

40 " Brooklyn Gas-Light Company . 

20 " Farragut Fire Insurance Company 

50 " Firemen's Insurance Company 

25 " Star Fire Insurance Company . 

48 " Long Island Bank . 

Queens county bonds .... 

109 shares National Park Bank 



Market value. Loaned thereon. 

|1,480 00 

1,050 00 

1,200 00 

850 00 

2,875 00 

2,400 00 

2,000 00 

15,260 00 



$500 00 
800 00 

1,500 00 

2,000 00 

4,000 00 

10,000 00 



^27,115 00 $18,800 00 



Summary of Assets Dkc. 31, 1880. 

Loans on mortgage of real estate (first liens*), $47,885 00 

Interest due or accrued thereon . . . 377 00 

Stocks, bonds, etc., as per schedule . . 230,515 00 

Loans on collateral security as per schedule . 18,800 00 

Cash in the office of the company . . . 091 74 

deposited in various banks . . . 6,201 24 

Premiums in course of collection (gross) . 14,595 27 

Notes taken for marine and inland risks . . 1,069 56 



* Value of lands mort^a^ed 
Value of buildings then-nn 
Amount of insurance held M ooHateral 



§35,500 00 

so,r,iH) (mi 

47.KS.', (XI 



250 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Rents due and accrued ..... $791 68 

Salvages . . . . . . . 2,833 22 

Prem's more than three months due, $5,272 42 

Gross assets 

Liabilities. 

Losses claimed and reported .... $16,580 00 

disputed or resisted .... 4,450 00 

Unearned premiums on outstanding risks . 71,547 10 

Due and accrued for rent, salaries, etc. . . 2,333 34 

State and local taxes 54 14 

Commissions and brokerage .... 3,467 70 

Return premiums ...... 666 84 

Gross liabilities, except capital . + — 

Surplus as regards policy-holders .... 
Paid-up capital . . . . . .... 

Surplus over capital 

Income. 

Cash received for fire premiums . . . $148,966 04 
Deduct re-insurance and return premiums . 10,461 27 

Net cash received for fire premiums . . 

Cash received for inland premiums . . . $16,119 58 
Deduct re-insurance and return premiums . 5,868 10 

Net cash received for inland premiums . . ■ 

Unpaid premium notes received during the 

year ........ $1,069 56 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents 

Gross cash income 



$329,789 71 



99,090 12 

$230,690 59 
200,000 00 

$30,690 59 



$138,504 77 



40,251 48 



3,090 78 

14,045 46 

5,511 61 

5201,431 10 



Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for inland losses 
Deduct salvage and re-insurance 
Net cash paid for inland losses 
Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes 

for incidentals 

Gross cash expenditures . 



$118,958 27 
485 57 

$46,661 39 
1,269 78 



$118,470 70 



45,411 61 
20,000 00 
22.370 89 
17,018 75 
3,224 99 
23,346 19 

$249,843 13 



1880.] INS. COS. OF OTHER STATES. 251 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1879 . 110,895,421 00 $123,280 39 
written during 1880 . . 16,407,350 00 150,417 07 



Total ...... $27,302,771 00 $273,697 46 

Deduct risks expired and terminated . 14,429,498 00 136,014 99 

In force at end of year .... $12,873,273 00 $137,682 47 

Deduct amount re-insured . . . 162,575 00 1,027 59 



Net amount in force . . . $12,710,698 00 $136,654 88 

Inland risks outstanding Dec. 31, 1879 . $25,000 00 $669 13 

written during 18S0 . ♦ 13,187,273 00 47,189 14 



Total . . . . . . $13,212,273 00 $17,858 27 

Deduct risks expired and terminated . 13,007,275 00 42,272 61 



In force at end of year .... $204,908 00 $5,585 66 

Deduct amount re-insured . 38,500 00 646 01 



Net amount in force . . . $166,498 00 $4,939 65 



Miscellaneous. 

Premiums received from organization of company . $1,631,034 38 

Losses paid from organization of company . . 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent) . 

Fire losses incurred during the year .... 

Inland losses incurred during the year . . . . 

Company's stock owned by directors .... 



970,068 39 

140,000 00 

20,000 00 

117,012 72 

45,635 43 

52,700 00 



LORILLARD INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated December, 1871. Commenced business January, 1872.] 

Paid-up Capital, $300,000. 

Carlisle Norwood, President. E. C. Magnus, Secretary pro tern. 

Detailed Statement of Stocks, Bonds, Etc. 

Par vaiue. Market value. 

United States bonds ..... $190,00000 $208,250 00 
Lake Shore and Michigan Southern R.R. bonds, 26,000 00 34,8-10 00 



$210,000 00 $213,090 00 
Securities held as collateral for cash loans: — 

Market value. Loaned thereon. 

80 shares Citizens' Insurance Company . . $3,108 00* 

10 " Manhattan Life Insurance Company, 3,000 00 1 $2,000 00 

Citizens' Insurance Company reserve fund . 800 00 ) 



252 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Union Pacific Railroad bonds . 
400 shares Lake Shore and Mich. So. 
120 " Chatham National Bank 
40 " Oriental National Bank . 



R.R. 



,000 00 



Market value. Loaned thereon. 

$10,900 00 

53,600 00 

3,300 00 

1,500 00 



I $50,< 

I 4,000 00 



$76,268 00 $56,000 00 



Summary op Assets Dec. 31, 1880. 



Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued . . . . 
Premiums in course of collection (gross) . 
Prem's more than three months due, $836,63 
Gross assets 

Liabilities. 

Losses adjusted, unpaid . 

claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance .... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
State and local taxes 
Commissions and brokerage . 
Return premiums . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$36,000 00 

1,080 00 

243,090 00 

56,000 00 

521 14 

46,085 19 

1,440 45 

18,723 48 



$402,940 26 



$5,006 72 
7,190 00 
1,800 00 

£13,996 72 
1,544 00 

$12,452 72 

74,301 67 

2,795 06 

2,808 52 

13 31 



- 92,371 28 

. $310,568 98 
. 300,000 00 



Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other sources 

Gross cash income .... 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



. $10,568 98 

$161,019 92 

21,618 87 

«>1 qo /im n* 


Durces . 


3,417 64 
16,825 85 


• 


. $159,644 54 


$86 
37 


000 00 
000 00 



1880.] 



INS. COS. OF OTHER STATES. 



253 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$89,563 90 
10,428 01 



$79,135 89 

24,000 00 

22,725 04 

22,180 00 

6,059 45 

25,138 95 

. $179,239 33 



Risks and Premiums. 



Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$19,426,000 00 $144,116 46 
22,252,703 00 161,379 78 



$41,678,703 00 $305,496 24 
21,074,575 00 145,628 24 



$20,604,128 00 $159,868 00 
1,255,316 00 10,654 10 



$19,348,812 00 $149,213 90 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (8 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors . 



,463,811 92 

654,718 00 

210,000 00 

24,000 00 

88,787 72 
99,675 00 



MANHATTAN FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Jan. 8, 1872. Commenced business March 30, 1872.] 

Paid-up Capital, $250,000. 

Andrew J. Smith, President. Louis P. Carman, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds . 

South Carolina state bonds 

Central Pacific bonds . . . . 

New York Mutual Gas-Light stock 

Deposit of U. S. currency in Mississippi 



Par value. 
5270.000 00 
20,000 00 

1,000 00 
15,000 00 
10,000 00 



Market value. 

$28,000 00 

7,000 00 

1,100 00 

12,000 00 

10,000 00 



$316,000 00 $353,100 00 



254 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans: — 

75 shares Phenix Insurance Company 
25 
34 
16 
32 
20 
20 
40 
30 
60 
10 
5 
61 



Buffalo Mutual Gas-Light Company, 
Dry Dock and East Broadway R.R 
Howard Insurance Company . 
Phenix Insurance Company 
Lamar Insurance Company 
Hoffman Insurance Company . 
Lenox Insurance Company 
Atlantic Insurance Company . 
Lorillard Insurance Company . 
New York Economical Printing Co 
Phenix Insurance Company 
Howard Insurance Company . 

Knickerbocker Ice Company stock . 

10 shares Relief Fire Insurance Company 

United States bonds ..... 

Knickerbocker Ice Company bonds . 

18 shares National Exchange Bank 
3 u Irving Insurance Company 

United States bonds . 

15 shares Home Insurance Company 

Kansas and Nebraska Railroad bonds 



Market value 

$l,S0O 00 
2,500 00 
4,000 00 

900 00 
2,100 00 
2,200 00 
1,000 00 
1,100 00 
1,200 00 
1,400 00 
1,500 00 

325 00 
3,500 00 
1,000 00 

500 00 
1,070 00 
2,200 00 
1,900 00 

475 00 
2,400 00 
1,900 00 
4,000 00 



. Loaned thereon. 

j- $5,000 00 

2,500 00 

700 00 

1,400 00 



f- 3,875 00 



J 



1,000 00 

3,000 00 

800 00 

400 00 



1 



y 4,000 oo 



J 



2,150 00 

900 00 

2,000 00 



Summary of Assets Dec. 31, 18S0. 
Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule . 
Cash in the office of the company . 

deposited in bank ..... 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks . 
Inland claims, re-insurance, etc. 

Gross assets ..... 
Deduct special deposits in other states 

Balance $6S9,542 65 



141,970 00 $27,725 


00 


1, 18S0. 




$20,881 96 




161,167 00 




6,198 97 




353,100 00 




27,725 00 




8,103 47 




47,679 13 




1,930 08 




95,873 05 




5,505 06 




13,318 93 




1711 ^1° 


.65 
00 


52,000 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 



$29,075 47 

28,675 00 

7,500 00 



* Total value of property mortgaged . 

Amount of insurance hold a» collateral 



$403,000 00 
161,800 00 



1£80.] 



INS. COS. OF OTHER STATES. 



255 



Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 

Surplus as regards policy-holders 
Paid-up capital 

Surplus over capital . 

Income. 
Cash received for fire premiums . • 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Cash received for inland premiums . 
Deduct re-insurance and return premiums 
Net cash received for inland premiums . 
Interest received on bonds and mortgages 

and dividend's received from all other 
Income from rents . . . • 



$294,056 63 
10,000 00 



$369,307 10 
14,713 58 



$354,593 52 

. $334,949 13 
. 250,000 00 

. $84,949 13 



Gross cash income 



$648,974 36 
54,942 25 



,303 18 
22,039 88 



sources 



$594,032 11 



68,263 30 

6,631 81 

15,800 00 

786 00 

$685,513 22 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for inland losses . . 

Deduct salvage and re-insurance 

Net cash paid for inland losses 

Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$372,755 22 
4,003 55 

$96,460 26 
9,590 47 



$368,751 67 



86,869 79 
25,000 00 
99,052 48 
43,099 70 
16,479 85 
55,218 51 

$694,472 00 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$47,209,214 00 $512,823 79 
57,726,(5:51 00 634,496 44 



$104,935,815 00 $1,147,320 23 
57,283,507 00 585,752 1 1 



$17,652,218 00 $561,5(57 79 
(5:52,817 00 7,362 74 



$17,019,101 00 $051,200 00 



256 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

. $675,053 00 $16,399 99 
15,474,693 00 92,112 67 



$16,149,746 00 $108,512 66 
15,464,893 00 90,214 19 



. $684,853 00 $18,298 47 
. 41,000 00 965 15 



. $643,853 00 $17,333 32 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . 



$4,911,128 44 

3,335,606 26 

245,000 00 

25,000 00 

460,564 82 

65,950 00 



MANUFACTURERS' AND BUILDERS' FIRE INSURANCE COM- 
PANY, NEW YORK, N.Y. 

[Incorporated Nov. 19, 1870. Commenced business Nov. 22, 1870.] 

Paid-up Capital, $200,000. 

Edward V. Loew, President. J. Jay Nestell, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



Eleventh Ward Bank stock . 

N. Y., Lake Erie, and Western R.R. bonds 

United States bonds . 

Chicago, Burlington, and Quincy R.R. stock 

N. Y. Central and Hudson River R.R. stock 

Illinois Central Railroad stock 

Metropolitan Elevated Railroad bonds . 



Par valne. 

$9,000 00 
21,000 00 
127,550 00 
2,000 00 
10,000 00 
10,000 00 
10,000 00 



Market valne. 

$9,000 00 
27,090 00 
137,022 00 
3,600 00 
15,437 50 
12,737 50 
10,650 00 



$189,550 00 $215,537 00 



Securities held as collateral for cash loans: - 
204 shares Grand Central Bank 



2 

110 

40 

2 

20 
40 



Sterling Fire Insurance Company 

Eleventh Ward Bank 

Ocean Pier and Nav. Company 

Eagle Fire Company 

Sterling Fire Insurance Company 

Tradesmen's Fire Insurance Co. 



Market valne. 

$2,5o0 00 
400 00 


Loaned thereon. 

$1,490 00 
300 00 


2,750 00 

6,000 00 

174 40 


2,000 00 

3,200 00 

70 00 


1,600 00 
1,050 00 


1,500 00 
500 00 



1880.] 



INS. COS. OF OTHER STATES. 



257 



Market value. Loaned thereon. 



50 shares Milwaukee and St. Paul Railroad 
40 " Sterling Fire Insurance Company 
40 " Hope Fire Insurance Company 
10 " Ocean Pier and Nav. Company 



$7,688 OO - ] 

3,200 00 | 

650 00 j 

1,500 00 j 



^-H^cooooo 



$27,562 40 $19,060 00 



Summary of Assets Dec. 31, 1880. 



Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 

Salvage 

Gross assets . . . . . 



$201,000 00 

1,384 66 

215,537 00 

19,060 00 

1,614 03 

21,046 52 

754 94 

8,231 86 

30 21 



$168,659 22 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
State and local taxes .... 
Commissions and brokerage . 
Return premiums . . • 
Miscellaneous ...*.. 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 



$5,027 02 

8,728 49 

745 00 

53,617 22 

1,333 33 

5,282 16 

999 62 

191 93 

121 33 



- 76,046 15 

. $392,613 07 

. 200,000 00 

. $192,613 07 



Income. 

Cash received for fire premiums . . . $133,996 45 
Deduct re-insurance and return premiums . 18,073 08 

Net cash received for fire premiums . . $115,923 37 

Interest received on bonds and mortgages .... 14,193 64 

and dividends received from all other sources . . 10,649 40 

Income from sale of property 288 86 

Gross cash income $141,055 27 



* Value of landH mortgaged 
Value of buildings thereon 
Amount of Insurance beld ai collateral 
83 



$467,000 oo 
86,000 00 
86,000 00 



258 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses . . . 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for interest on borrowed money 

for incidentals 

Gross cash expenditures . 



Risks and Premiums. 



$68,156 55 
7,905 15 



$60,251 40 
24,000 00 
13,240 44 
17,714 80 
1,069 02 
188 54 
31.726 76 

$148,190 96 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$22,559,665 00 $123,391 33 
27,300,922 00 127,469 87 



$49,860,587 00 $250,861 20 
26,932,199 00 136,462 16 



$22,928,388 00 $114,399 04 
1,192,728 00 5,558 43 



$21,735,660 00 $108,840 61 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (12 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$938,868 65 

220,609 48 

188,000 00 

24,000 00 

74,957 68 

92,000 00 



MERCANTILE FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Jan. 15, 1852. Commenced business Jan. 17, 1852.] 

Paid-up Capital, $200,000. 

Wllliam A. Anderson, President. C. W. Parmelee, Secretary. 

Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*), $52,500 00 

Interest due or accrued thereon . . . 483 33 

United States bonds 201,175 00 

Cash in the office of the company . . . 417 52 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$54,500 00 
58,500 00 
52,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



259 



Cash deposited in bank .... 

Interest due and accrued 

Premiums in course of collection (gross) 

more than three months due, $20 00 

Gross assets ..... 

Liabilities. 
Losses adjusted unpaid .... 

claimed and reported . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
State and local taxes .... 
Commissions and brokerage . 
Return premiums, etc. .... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other 

Income from rents 

from sale of real estate 



Gross cash income 



Expenditures. 
Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid .... 

paid for commissions and brokerage 

for salaries of officers and employe* 

for state and local taxes . 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



$1,091 25 

300 00 

3,214 83 



$6 12 

2,925 00 

24,936 12 

523 02 

269 62 

335 50 

36 29 



$47,826 98 
3,619 00 



sources 



$21,461 98 
683 43 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



259,181 93 



£7,466,414 00 
8,363,024 00 



29,031 67 



$230,150 26 
200,000 00 

$30,150 26 



$44,207 98 

2,917 50 

10,446 64 

115 00 

125 22 

$57,812 34 



$20,778 55 

20,000 00 

5,438 05 

10,850 00 

880 15 

5,389 08 

$63,335 83 

Premiums. 

$50,926 17 
48,241 09 

$00,107 26 
49,615 44 



$15,829,438 00 
8,452,053 00 

$7,370,785 00 $49,551 82 
223, .'583 00 1,408 63 

$7,153,402 00 $48,148 19 



260 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company . 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



.,847,852 19 

901,948 77 

542,000 00 

20,000 00 

19,830 66 

51,500 00 



THE MERCHANTS' INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated Feb. 18, 1858. Commenced business April 18, 1858.] 

Paid-up Capital, $400,000. 

Henry Powles, President. James R. Mulliken, AssH Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 
Newark city bonds . 
Elizabeth city bonds 
Long Branch school bonds 
East Orange improvement bonds 
Citizens' Gas-Light Company bonds 
New Jersey state bonds . 
Newark Gas-Light Company stock 
Essex county bonds 



Securities held as collateral for cash loans : 



Newark and New York Railroad bonds 
Orange and Newark Railroad bonds 

48 shares Merchants' National Bank 

32 

51 

75 

26 

29 
100 



Essex County National Bank 
Newark City National Bank 
People's Insurance Company 
Newark City Ice Company 
Mutual Benefit Company 
Newark City Company . 
Bond and mortgage 
20 shares Newark City National Bank 

8 " Newark City Ice Company 
20 " People's Insurance Company 
413 " Consumers' Coal Company 
20 " Citizens' Gas-Light Company 
100 " Newark City Ice Company 

14 " Citizens' Gas-Light Company 
American Insurance Company scrip 
American Insurance Company scrip 



Par value. 

$237,000 00 

100,000 00 

16,000 00 

15,000 00 

15,000 00 

13,500 00 

500 00 

10,000 00 

6,000 00 



Market value. 

$240,555 00 

115,000 00 

6,400 00 

15,000 00 

15,750 00 

14,580 00 

550 00 

14,500 00 

6,000 00 



$413,000 000 $428,335 00 



Market value. Loaned thereon. 


$4,950 00 


$3,500 00 


2,000 00 


1,200 00 


4,560 00 


3,500 00 


2,240 00 \ 




3,442 50 C 


5,000 00 


3,750 00 ) 




1,820 00 > 
290 00 > 


1,500 00 


7,000 00 ) 
15,000 00 1 


7,500 00 


1,350 00) 




560 00 V 
1,000 00) 


1,500 00 




3,304 00 | 
920 00 > 


2,000 00 


7,000 00 


4,000 00 


644 00 > 
130 50 i 


700 00 


536 50 


275 00 



1880.] 



INS. COS. OF OTHER STATES. 



261 



Market value. Loaned thereon. 



United States bonds .... 
Union Building and Loan Association scrip 
115 shares Newark Gas-Light Company . 
American Dock and Improvement Co. bonds 



$2,090 00 

640 00 

8,237 50 

6,200 00 



$2,000 00 
500 00 

10,000 00 



$77,665 00 $43,175 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) . 
Rents due and accrued .... 
Prem's more than three months due, $3,251 75 
Gross assets 

Liabilities. 
Losses adjusted unpaid .... 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Reel aim able on perpetual fire policies 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
Dividends to stockholders unpaid . 
Commissions and brokerage . 
Return premiums ..... 
Scrip redeemable at pleasure . $11,227 00 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$140,113 66 

394,107 00 

9,308 77 

428,335 00 

43,175 00 

7,436 29 

34,722 15 

10,499 11 

28,852 58 

900 00 



$1,097,449 56 



Surplus over capital 



$5,879 00 

14,243 00 

2,400 00 

207,779 10 

570 00 

6,886 00 

14,014 23 

150 00 

4,524 84 

1,068 34 



257,514 51 

$839,935 05 
400,000 00 

$439,935 05 



Income. 

Cash received for fire premiums . . . $362,532 03 
Deduct re-insurance and return premiums . 24,763 87 

Net cash received for fire premiums . . $337,768 10 

Interest received on bonds and mortgages .... 25,663 21 
and dividends received from all other sources . . 24,224 38 



* "Value of lands mortgaged 
Value of buildings thereon 
Amount of Insurance bold as collateral 



$477,026 00 

i 

471,250 uu 



262 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income from rents $1,325 80 

Gross cash income $388,981 55 

Expenditures. 

Cash paid for fire losses $189,722 21 

Deduct salvage and re-insurance . . . 898 24 

Net cash paid for fire losses .... $188,823 97 

Cash dividends paid 47,850 00 

paid for redemption of scrip . . . . . . 13,153 00 

Interest paid scrip-holders 2,223 28 

Cash paid for commissions and brokerage .... 62,220 23 

for salaries of officers and employes . . . 29,725 00 

for state and local taxes 7,911 54 

for incidentals . . ..... 32,656 85 

Gross cash expenditures $384,563 87 

Risks and Premiums. 



Fire risks outstanding Dec.^31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$46,263,388 00 $390,155 89 
47,611,220 00 373,246 78 



$93,874,608 00 $763,702 67 
46,212,194 00 350,452 42 



$47,662,414 00 $413,250 25 
334,207 00 2,896 28 



$47,328,207 00 $410,353 97 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (12 per cent) . 
Fire losses incurred daring the year . 
Company's stock owned by directors . 



$3,899,706 47 

1,617,003 25 

. 336,219 00 

48,000 00 
. 177,435 03 

57,050 00 



MERCHANTS' INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April, 1850. Commenced business April, 1850.] 

Paid-up Capital, $200,000. 

C. V. B. Ostrander, President. J. L. Douglass, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bonds $150,000 00 $160,268 75 

North River Bank 9,000 00 9,000 00 

Merchants' Exchange Bank , . . . 5,000 00 5,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



263 



New York Central Railroad . 
Rensselaer and Saratoga Railroad . 



Securities held as collateral for cash loans : ■ 



20 shares Globe Insurance Company 
6 " Star Insurance Company . 

10 " Home Insurance Company 

25 " American Merchants' Union Ex. Co 
5 " First National Bank, Saugerties 

20 " Second National Bank, Jersey City 



Par value. Market value. 

$30,000 00 $46,500 00 
1,000 00 1,240 00 



$195,000 00 $222,008 75 



Market value. Loaned thereon. 



$1,150 00 


$600 00 


720 00 


500 00 


1,450 00 > 
1,606 25 J 


400 00 


500 00 


300 00 


2,400 00 


1,000 00 



,826 25 $2,800 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 

Loans on mortgage of real estate (first liens *), 

Interest due or accrued thereon 

Stocks, bonds, etc., as per schedule 

Loans on collateral security as per schedule 

Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued .... 
Premiums in course of collection (gross) 
Gross assets 



$29,100 00 
161,000 00 
4,167 50 
222,008 75 
2,800 00 
1,893 17 
8,402 17 
2,580 78 
7,270 72 



$439,223 09 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$2,010 00 
13,000 00 
54,011 35 



69,021 35 

$370,201 74 
200,000 00 



Surplus over capital $170,201 74 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for lire premiums 



$105,702 35 
3,746 57 



2,015 78 



* Value of lands mortgaged 
Value of buildings thereon 

Amount of insurance held an collateral 



$97,700 00 
192,000 00 
158,400 00 



264 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on bonds and mortgages 

and dividends received from all other sources 



$12,592 29 
11,596 93 



Gross cash income $126,205 00 



Expenditures. 
Cash paid for fire losses . . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 



,490 85 
774 53 



Gross cash expenditures . 

Risks and Premiums. 



$65,716 32 
20,000 00 
21,629 86 
24,851 93 
1,798 13 
10,933 49 

$144,929 73 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$20,952,043 
20,484,302 



Premiums. 

00 $112,898 00 
00 109,230 95 



$41,436,345 
22,405,340 



00 $222,128 95 
00 114,315 16 



$19,031,005 
29,000 



00 $107,813 79 
00 99 75 



$19,002,005 00 $107,714 04 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$3,971,326 19 

1,672,270 48 

1,052,000 00 

20,000 00 

52,187 25 

50,550 00 



MERCHANTS' INSURANCE COMPANY IN PROVIDENCE, R.I. 

[Incorporated May 15, 1851. Commenced business July, 1851.] 

Paid-up Capital, $200,000. 

W. T. Barton, President. William P. Goodwin, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



1600 shares National Bank of Commerce 
1000 " American National Bank 
400 " Merchants' National Bank 
200 " Globe National Bank . 
467 " Providence Gas Company 
200 " Phenix National Bank 



Par value. 

$80,000 00 
50,000 00 
20,000 00 
10,000 00 
23,350 00 
10,000 00 



Market value. 

$86,400 00 

53,000 00 

26,000 00 

11,000 00 

30,121 50 

15,800 00 



1880.] 



INS. COS. OF OTHER STATES. 



265 



257 shares Mechanics' National Bank . 
102 " Manufacturers' National Bank . 
66 " Delaware and Hudson Canal Co. 



Par value. 

$12,850 00 

10,200 00 

6,600 00 



Market value. 

$17,990 00 

13,872 00 

6,105 00 



Securities held as collateral for cash loans: — 
10 shares Fifth National Bank 



$223,000 00 $260,288 50 

Market value. Loaned thereon. 

$650 00 $400 00 



Summary op Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $15,500 00 

Interest due or accrued thereon . . . 91 00 

Stocks, bonds, etc., as per schedule . . 260,288 50 

Loans on collateral security as per schedule . 400 00 

Cash in the office of the company . . . 3,108 47 

deposited in bank 91,460 29 

Interest due and accrued . . e . . 254 02 

Premiums in course of collection (gross) . . 14,874 20 

Gross assets . . . . . 



Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
State and local taxes .... 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other 



Gross cash income 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid .... 
paid for commissions and brokerage 
for salaries and office expenses 



$385,976 48 



$4,610 95 

3,234 50 

800 00 

90,583 98 

73 62 

662 56 



$166,626 11 
15,801 67 



sources 



99,965 61 

$286,010 87 
200,000 00 

$86,010 87 



$150,824 44 

974 00 

18,009 34 

$169,807 78 



$122,693 65 
851 71 



121,841 94 
16,000 00 
27,303 75 
19,686 59 



* Value of landt mortgaged 

Value of buildingH thereon 
Amount of insurance held as collateral 
34 



$100, 000 00 

40,000 oo 
17,u00 00 



266 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for state and local taxes . 
for incidentals 
assessment, Globe National Bank . 



Gross cash expenditures .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$14,779,062 00 
16,674,270 00 

$31,453,332 00 
15,105,825 00 

$16,347,507 00 
93,227 00 



<$5,952 61 

175 11 

3,000 00 

$193,960 00 



Premiums. 

$164,356 36 
166,626 11 

$330,982 47 
154,350 37 

$176,632 10 
917 87 



,254,280 00 $175,714 23 



Miscellaneous. 

Premiums received from organization of company . 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (8 per cent) 

Fire losses incurred during the year .... 

Company's stock owned by directors .... 



54,251,386 70 

2,982,197 28 

554,000 00 

16,000 00 

118,347 49 

41,150 00 



MERIDEN FIRE INSURANCE COMPANY, MERIDEN, CONN. 

[Incorporated July, 1868. Commenced business February, 1872.] 

Paid-up Capital, $200,000. 

L. W. Clarke, President. E. B. Cowles, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $150,000 00 $154,681 25 

Harlem River and Port Chester R.R. bonds . 15,000 00 19,500 00 

Meriden city water bonds .... 5,000 00 6,000 00 

Dayton city bonds 20,000 00 23,000 00 

Cleveland city bonds 10,000 00 11,500 00 

Cincinnati city bonds 10,000 00 11,500 00 

Danbury and Norwalk Railroad bonds . . 9,500 00 11,400 00 

New Haven and Northampton Railroad bonds, S,000 00 8,000 00 

First National Bank stock, Meriden . . 11,300 00 12,712 50 

Home National Bank stock, Meriden . . 26,800 00 30,820 00 

Meriden National Bank stock . . . . 8,900 00 11,125 00 

New Britain National Bank stock . . . 4,500 00 6,075 00 

Yale National Bank stock, New Haven . . 5,500 00 6,325 00 

Hartford National Bank stock . . . 5,000 00 8,350 00 



1880.] 



INS. COS. OF OTHER STATES. 



267 



Mercantile National Bank stock, Hartford 
Phoenix National Bank stock, Hartford . 



Securities held as collateral for cash loans : - 

280 shares Meriden Britannia Company . 
200 " Pultz and Walkley, Plantsville 
100 " G. F. Warner and Co., N. Haven 
First mortgage assigned .... 



Par value. 

15,000 00 
200 00 



Market value. 

$6,750 00 
332 00 



$294,700 00 $328,070 75 



Market value. Loaned thereon. 

$28,000 00 $5,700 00 
5,000 00 1,250 00 
1,500 00 
2,800 00 



1,150 00 



$37,300 00 $8,100 00 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $20,400 00 

Interest due or accrued thereon ... 23 00 

Stocks, bonds, etc., as per schedule . . 328,070 75 

Loans on collateral security as per schedule . 8,100 00 

Cash in the office of the company . . . 5,392 87 

deposited in various banks . . . 14,282 02 

Interest due and accrued . . . . 1,150 01 

Premiums in course of collection (gross) . 32,919 75 

Non-resident tax . . . . . . 145 80 

Office furniture, etc. . . . $4,000 00 

Gross assets $410,484 20 



Liabilities. 

Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance ..... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 



$19,578 80 

35,588 15 

1,500 00 

$50,666 95 
6,168 03 

$50,498 92 

117,057 28 

600 00 

5,175 50 



173,331 70 

$237,152 50 
200,000 00 



,152 50 



* Value of lands mortgaged 
Value of bnlldloga thereon 
Amount of Insurance held as collateral 



>32,700 00 

30,000 00 
27.SOO 00 



268 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Cash received for fire premiums . . . $306,810 14 
Deduct re-insurance and return premiums . 64,247 18 

Net cash received for fire premiums . . $242,562 96 

Interest received on bonds and mortgages .... 1,372 17 

and dividends received from all other sources . . 18,102 47 

Income from commissions . . ..... 1,344 86 

Gross cash income . . . .... $263,382 46 

Expenditures. 

Cash paid for fire losses $187,638 15 

Deduct salvage and re-insurance . . . 8,527 64 

Net cash paid for fire losses .... — — — — $179,110 51 

Cash dividends paid 9,000 00 

paid for commissions and brokerage .... 42,022 93 

for salaries of officers and employes . . . 10,600 00 

for state and local taxes 6,081 49 

for incidentals . . . . . . . 26,063 91 

Gross cash expenditures $272,878 84 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$16,163,903 
26,632,052 



Premiums. 

00 $192,333 95 
00 299,610 59 



^42,795,955 
19,919,290 



00 $491,944 54 
00 233,649 09 



$22,876,665 
2,549,222 



00 $258,295 45 
00 28,633 34 



$20,327,443 00 $229,662 11 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (4£ per cent) . 
Fire losses incurred during the year . . 
Company's stock owned by directors . . 



$1,527,634 52 

920,488 78 

142,000 00 

9,000 00 

222,673 20 

55,266 00 



NATIONAL FIRE INSURANCE COMPANY, BALTIMORE, MD. 

[Incorporated December, 1849. Commenced business May, 1850.] 

Paid-up Capital, $200,000. 

John B. Seidenstricker, President. H. C. Landis, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 



United States bonds 
Maryland state bonds 



$65,000 00 
- 25,700 00 



$72,800 00 
28,784 00 



1880.] 



INS. COS. OF OTHER STATES. 



269 



Missouri state bonds .... 
Virginia state bonds .... 
South Carolina state bonds 
West Maryland Railroad bonds (guaranteed) 
Pittsburg and Cornellsville Railroad bonds 
Central Ohio Railroad bonds . 
Wilmington, C, and A. Railroad bonds 
Wilmington, C, and A. Railroad stock . 



Par value. 

$20,000 00 
19,100 00 
11,500 00 
10,000 00 
6,000 00 
25,000 00 
19,000 00 
11,400 00 



Market value. 

$22,200 00 

13,627 00 

11,500 00 

12,000 00 

7,200 00 

2S,000 00 

20,140 00 

6,840 00 



$212,700 00 $223,091 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (net) 
Rents due and accrued .... 
Prem's more than three months due, $100 37 

Gross assets ..... 
Deduct special deposits in other states . 



Balance . . . $296,965 37 



$55,000 00 

223,091 00 

398 17 

6,972 71 

2,653 50 

22,177 97 

299 02 



$310,592 37 
13,627 00 



Liabilities. 

Losses adjusted unpaid $5,711 02 

claimed and reported .... 1,000 00 

Unearned premiums on outstanding risks . 55,637 95 

Reclaimable on perpetual fire policies . . 6,530 92 

Dividends to stockholders unpaid . . . 353 00 

Due for borrowed money .... 7,000 00 

Gross liabilities, except capital . . $76,232 89 

Deduct liabilities on special deposits . . 4,433 41 

Surplus as regards policy-holders .... 
Paid-up capital 



71,799 48 

$225,165 89 
200.000 00 



Surplus over capital $25,165 89 

Income. 
Cash received for fire premiums . . . $119,718 07 
Deduct re-insurance and return premiums . 10,7G8 74 

Net cash received for fire premiums . . $108,919 33 

Interest and dividends received from all sources . . . 11,357 30 

Income from rents 1,579 20 

from all other sources 3,223 75 



Deposits received for perpetual fire risks . 



$100 00 



Gross cash income $125,109 58 



270 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses . . 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Deposits returned on perpetual fire risks . 

Gross cash expenditures . 



$69,785 03 
1,067 27 



$412 50 



$68,717 76 

19,848 10 

20,386 93 

7,497 15 

5,256 95 

6,512 06 

$128,218 95 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$10,500,097 00 $90,466 26 
14,356,278 00 119,718 07 



$24,856,375 00 $210,181 33 
12,508,821 00 99,606 83 



$12,347,554 00 $110,577 50 
103,786 00 960 68 



$12,243,768 00 $109,616 82 



Miscellaneous. 

Premiums received from organization of company . $1,822,872 68 

Losses paid from organization of company .... 1,023,065 68 

Cash dividends declared from organization of company . 351,352 65 

Dividends declared during the year (10 per cent) . . . 20,000 00 

Fire losses incurred during the year 63,182 70 



NATIONAL FIRE INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Commenced business Dec. 1, 1871.] 

Paid-up Capital, $600,000. 

Mark Howard, President. James Nichols, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 4£ per cent bonds 
Connecticut state bonds . 
Hartford city capitol bonds 
Hartford city water bonds 
New Britain city bonds . 
Rochester city bonds 
Lockport city bonds 



Tar value. 

$50,000 00 
5,000 00 
25,000 00 
10,000 00 
6,000 00 
25,000 00 
10,000 00 



Market value. 

$56,000 00 
5,200 00 
30,000 00 
10,700 00 
6,720 00 
29,500 00 
11,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



271 



Buffalo city bonds . 

Cleveland city bonds 

Columbus city bonds 

Detroit city bonds . 

Meriden town bonds 

West Middle School District (Hartford) bonds 

Harlem River and Port Chester R.R. bonds 

Chicago, Burlington, and Quincy R.R. bonds 

Chicago and North-Western bonds . 

400 shares N. Y., N. H., and H. R.R. stock 



200 

300 

200 

200 

200 

100 

100 

100 

50 

140 

100 

300 

215 

50 

300 

50 

200 

75 

70 

25 

240 



New York and Harlem Railroad 
N. Y. Central and Hudson River 
Pittsburg, Ft. W., and Chicago 
Cleveland and Pittsburg 
Chicago, Rock Island, and Pacific 
Illinois Central . 

Nat'l Mech. Banking Asso., N.Y. 
Metropolitan National Bank, N.Y 
Central National Bank, New York 
Farmers' and Mech. Nat'l B'k, H 
Charter Oak National Bank . 
Phoenix National Bank . 
iEtna National Bank 
City National Bank 
Hartford National Bank 
Mercantile National Bank 
National Exchange Bank 
Nat'l B'k of the Republic, Boston 
Boston National Bank . 
Merchants' Bank, St. Louis . 
Willimantic Linen Company . 



Par value. 

115,000 00 
10,000 00 
10,000 00 
13,000 00 
10,000 00 
25,000 00 
25,000 00 
10,000 00 
20,000 00 
40,000 00 
10,000 00 
30,000 00 
20,000 00 
10,000 00 
20,000 00 
10,000 00 

5,000 00 
10,000 00 

5,000 00 
14,000 00 
10,000 00 
30,000 00 
21,500 00 

5,000 00 
30,000 00 

5,000 00 
10,000 00 

7,500 00 

7,000 00 
725 00 

6,000 00 



Market value. 

$16,800 00 
11,000 00 
10,300 00 
14,950 00 
10,400 00 
27,500 00 
30,000 00 
10,400 00 
21,600 00 
70,000 00 
19,500 00 
45,600 00 
25,000 00 
12,500 00 
27,600 00 
12,500 00 

4,000 00 
15,000 00 

6,100 00 
17,780 00 
13,800 00 
50,400 00 
28,380 00 

5,000 00 
49,500 00 

6,500 00 
15,000 00 

9,525 00 

7,840 00 

425 00 

20,400 00 



$575,725 00 $764,920 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) 
Gross assets .... 



$56,523 21 

267,300 00 

6,609 04 

764,920 00 

244 01 

105,378 67 

5,534 98 

22,000 00 



$1,228,509 91 



Value of lands mortgaged < . 

Value of buildings I hereon 

Amount, of insurance bold :ih collateral 



£.",s:;,<)40 00 
.•',;! 1,7(10 00 

202,200 00 



272 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 



Losses adjusted unpaid .... 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



17,047 88 

20,765 00 

7,100 00 

173,346 41 



- $208,259 29 

$1,020,250 62 
. 600,000 00 



$420,250 62 



Income. 
Cash received for fire premiums . . . $298,250 30 
Deduct re-insurance and return premiums . 21,370 96 

Net cash received for fire premiums . . — 

Interest received on bonds and mortgages . . . . 

and dividends received from all other sources . 
Income from rents . . 



$276,879 34 

28,942 15 

40,250 20 

5,073 95 



Gross cash income $351,145 64 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employe's 

for state and local taxes . 

for incidentals ... 

Gross cash expenditures . 



Risks and Premiums. 



$161,858 50 
4,843 84 



$157,014 66 
72,000 00 
41,422 02 
27,035 37 
9,191 87 
17,341 74 

$324,005 66 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$29,641,108 00 $314,934 36 
28,082,953 00 276,879 34 



$57,724,061 00 $591,813 70 
24,614,483 00 245,657 55 



$33,109,578 00 $346,156 15 
129,019 00 1,638 34 



$32,980,559 00 $344,517 81 



Miscellaneous. 

Premiums received from organization of company . 

Losses paid from organization of company 

Cash dividends declared from organization of company 



$3,035,182 15 
. 1,400,966 52 
. 605,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



273 



Dividends declared during the year (12 per cent) 
Fire losses incurred during the year 
Company's stock owned by directors 



$72,000 00 
172,850 72 
124,200 00 



NATIONAL FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated, 1838. Commenced business April 9, 1838.] 

Paid-up Capital, $200,000. 

Henry T. Drowne, President. Henry H. Hall, Secretary. 

Office, No. 52 Wall Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bonds $220,000 00 $237,250 00* 

National Bank of Commerce stock . . 13,000 00 19,110 00 

American Exchange National Bank . . 10,000 00 12,500 00 



Summary of Assets Dec 
Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in bank . . 
Interest due and accrued 
Premiums in course of collection (net) . 
New York Produce Exchange stock 

Gross assets 

Liabilities. 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
State and local taxes .... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$213,000 00 $263,860 00 

31, 1880. 

$9,995 76 

125,500 00 

2,358 33 

268,860 00 

2,646 50 

2,302 15 

150 00 

20,468 92 

800 00 

$433,081 66 



$11,300 00 

98,890 47 

2,700 00 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $213,784 71 
Deduct re-insurance and return premiums . 20,457 89 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all oilier sources . 
Income from rents 



112,890 47 

$320,191 19 
200,000 00 

$120,191 19 



$193,326 82 

10,132 28 

8,225 60 

802 67 



Gross cash income $212,187 37 



• Total value property mortgaged . 
Amount of insurance beld ub collateral 
35 



1U1.4U0 IK) 



274 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Net cash paid for fire losses . 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for rent and incidentals . 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$23,528,260 00 
29,746,959 00 

$53,275,219 00 
27,095,722 00 

$26,179,497 00 
227,831 00 



$83,561 34 
20,000 00 
38,511 69 
23,783 96 
1,722 80 
19,292 01 

$186,871 80 



Premiums. 

$155,464 04 

226,770 77 



$382,234 81 
183,890 25 

$198,344 56 
2,709 73 



$25,951,666 00 $195,634 83 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . . . . 



13,091,649 82 

1,498,587 22 

930,056 00 

20,000 00 

75,795 88 

49,912 50 



NEWARK CITY INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated March 5, 1857. Commenced business March 21, I860.] 

Paid-up Capital, $200,000. 

Horace J. Poinier, President. Henry Schoppe, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $26,000 00 $26,420 00 

Essex county bonds 19,000 00 19,950 00 

Newark city bonds . . . . . . 13,000 00 14,460 00 



$58,000 00 $60,830 00 



Summary of Assets Dec. 31, 1880. 
Cash value of unencumbered real estate . . $99,250 00 
Loans on mortgage of real estate (first liens *), 93,216 01 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$90,000 00 

169,100 00 

99,650 00 



1880.] 



INS. COS. OF OTHER STATES. 



275 



Interest due or accrued thereon 


$2,819 


81 




Stocks, bonds, etc., as per schedule 


60,830 


00 




Cash in the office of the company . 


8,326 


55 




deposited in various banks 


26,071 


22 




Interest due and accrued 


360 


18 




Premiums in course of collection (gross) . 


15,985 


37 




Rents due and accrued 


366 


97 




Scrip dividends due .... 


119 


00 




Gross assets . . . . 






$307,345 11 






Liabilities. 








Losses adjusted unpaid .... 


. $15,713 


16 




claimed and reported ... 


1,950 


00 




disputed or resisted . 


625 


00 




Total amount of losses 


$18,288 


16 




Less re-insurance 


8 


86 




Net amount of unpaid losses . 


. $18,279 30 




Unearned premiums on outstanding risks 


72,193 


27 




Unpaid scrip ordered to be redeemed 


4 


00 




Due and accrued for agency expenses 


104 


12 




Commissions and brokerage . 


3,498 40 




Return premiums ..... 


1,094 70 




Gross liabilities, except capital 






95,173 79 






Surplus as regards policy-holders 


$212,171 32 




• • 




200,000 00 


Surplus over capital . 


$12,171 32 


Income. 








Cash received for fire premiums 


. $151,171 


30 




Deduct re-insurance and return premiums 


11,680 77 




Net cash received for fire premiums 




— 


$139,490 53 




Interest received on bonds and mortgages 


• • • 


. 


5,764 71 


and dividends received from all other 


sources . 


. 


4,155 64 




J 




3,164 70 




$152,575 58 


Expenditures. 








Cash paid for fire losses .... 


$100,274 


22 




Deduct salvage and re-insurance 


1,006 


62 




Net cash paid for fire losses . 






$99,267 60 


Cash dividends paid . 






7,000 00 


paid for commissions and brokerage 






29,058 43 


for salaries of officers and employes 






10,902 00 


for state and local taxes . 






5,572 15 


for incidentals . 






7,688 3:5 


Gross cash expenditures . 


$159/183 51 



276 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

■Premiums. 

$11,447,148 00 $127,007 67 
15,904,204 00 158,895 32 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$27,351,352 00 $285,902 99 
14,495,818 00 142,716 52 



2,855,534 00 $143,186 47 
147,192 00 1,459 11 



.2,708,342 00 $141,727 36 



Miscellaneous. 

Premiums received from organization of company . 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (3^ per cent) . 

Fire losses incurred during the year 

Company's stock owned by directors .... 



,344,909 00 

600,001 73 

172,641 42 

7,000 00 

99,885 54 

77,700 00 



NEWARK FIRE INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated May, 1810. Commenced business May, 1810.] 

Paid-up Capital, $250,000. 

C. M. Woodruff, President, John J. Henry, Secretary, 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds .... 
National State Bank stock . 
Newark City National Bank stock . 
National Newark Banking Company stock 
Mechanics' National Bank stock 
Mechanics' Insurance Company stock 
Morris and Essex Railroad Company stock 



Tar value. 

$195,000 00 

11,400 00 

13,250 00 

7,700 00 

4,550 00 

1,050 00 

10,000 00 



Market value. 

$196, 982 25 
12,198 00 
17,622 50 
10,318 00 
8,099 00 
1,050 00 
12,225 00 



$242,950 00 $258,494 75 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $64,500 00 

Loans on mortgage of real estate (first liens *), 336,095 00 

Interest due or accrued thereon . . . 9,548 48 

Stocks, bonds, etc., as per schedule . . 25S,494 75 

Cash in the office of the company . . . 4,657 51 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$452,400 00 
511,800 00 
430,700 00 



1880.] 



INS. COS. OF OTHER STATES. 



277 



Cash deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for fire risks 
Rents due and accrued . 
Gross assets . 



$53,977 60 

3,575 00 

33,302 64 

1,130 62 

313 00 



$766,194 60 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage 
Return premiums ..... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$8,849 87 

10,219 95 

894 95 



$19,964 77 
1,250 00 

$18,714 77 

144,125 72 

8,208 56 

300 00 

6,660 52 

2,509 72 



Surplus over capital 

Income. 

Cash received for fire premiums . . . $283,058 77 
Deduct re-insurance and return premiums . 44,593 38 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents . 



Gross cash income .... 

Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employe's 

for state and local taxes 

for incidentals 

Gross cash expenditures - 



.79,853 69 
8,186 43 



180,519 29 

$585,675 31 
250,000 00 

$335,675 31 



$238,465 39 

34,137 97 

4,816 50 

1,600 95 

$279,020 81 



$171,607 26 
24,679 10 
48,467 02 
15,418 11 
6,181 81 
18,845 44 

$285,258 74 



278 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$24,542,864 00 $231,741 33 
34,731,648 00 296,616 60 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$59,274,512 00 $528,357 93 
26,039,742 00 244,376 48 



$33,234,770 00 $283,981 45 
977,240 00 7,671 34 



52,257,530 00 $276,310 11 



Miscellaneous. 
Premiums received from organization of company- 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year . 

Fire losses incurred during the year . . 
Company's stock owned by directors . . . 



$1,968,773 15 
544,310 07 
378,051 00 

24,793 00 
165,273 49 

28,430 00 



NEW HAMPSHIRE FIRE INSURANCE COMPANY, MANCHES- 
TER, N.H. 

[Incorporated 1869. Commenced business April, 1870.] 

Paid-up Capital, $250,000. 

James A. Weston, President. John C. French, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 

Manchester (N.H.) city bonds 

St. Louis (Mo.) city bonds 

Chicago (111.) city bonds 

Cleveland (O.) city bonds 

Zanesville (O.) city bonds 

Marietta (O.) city bonds 

Concord (N.H.) city bonds 

Michigan Air-Line Railroad bonds 

Maine Central Railroad bonds 

Chicago, Burlington, and Quincy R.R. bonds 

Burlington and Missouri Railroad bonds 

Jackson, Lansing, and Saginaw R.R. bonds 

Boston, Concord, and Montreal R.R. bonds 

Marion county (Ind.) bonds . 

New Hampshire state bonds . 

Hillsborough county (N.H.) bonds. 

Suncook Valley Railroad stock 

Merchants' Nat'] Bank (Manchester) stock 

Chicago, Clin., Dub., and Minn. R.R. bonds 



Par value. 

$165,000 00 
51,700 00 
17,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
2,000 00 
10,000 00 
10,000 00 
14,000 00 
10,000 00 
10,000 00 
12,000 00 
25,000 00 
10,000 00 
6,000 00 
4,000 00 
10,000 00 
10,000 00 



Market value. 

$171,300 00 
57,300 00 
17,850 00 
11,000 00 
10,000 00 
10,500 00 
11,000 00 
2,200 00 
11,000 00 
10,000 00 
16,800 00 
12,000 00 
11,000 00 
12,600 00 
26,500 00 
11,500 00 
6,500 00 
4,400 00 
11,000 00 
10,700 00 



$406,700 00 $435,150 00 



1880.] 



INS. COS. OF OTHER STATES. 



279 



Securities held as collateral for cash loans : 

8 shares Manchester and Lawrence R.R. 

10 " Phenix Insurance Company . 

20 " Adains Express Company 

35 " Manchester and Lawrence Railroad 

1 share Amoskeag Manufacturing- Co. 
100 shares Manchester National Bank 
People's Savings Bank book . 
300 shares Boston Water-Power Company 

32 

50 

15 

2 

100 

10 

20 



Manchester and Lawrence R.R. 
Amory Manufacturing Company 
Manchester Mills . 
Amoskeag Manufacturing Co. 
Concord Railroad . 
Manchester Horse Railroad . 
New Hampshire Fire Insurance Co 



Market value. 

$1,200 00 
2,500 00 
2,400 00 
5,250 00 
1,900 00 

15,000 00 
2,000 00 
3,000 00 
4,800 00 
6,000 00 
2,775 00 
3,800 00 
9,000 00 
1,000 00 
1,450 00 



Loaned thereon. 

I $3,000 00 

1,200 00 

275 00 

1,562 50 

7,000 00 

I 3,000 00 

2,000 00 

I 10,000 00 

7,000 00 
I 2,446 86 



)2,075 00 $37,484 36 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (net) . 

Gross assets . . . . 

Liabilities. 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$4,0S5 84 

37,200 00 

435,150 00 

37,484 36 

6,070 23 
34,810 73 

7,415 00 
23,118 14 



$15,120 00 
148,941 43 



$585,334 30 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $271,737 06 
Deduct re-insurance and return premiums . 23,517 06 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 



164,061 43 

$421,272 87 
250,000 00 

$171,272 87 



$248,220 00 
29,406 37 



Gross cash income ........ $277,086 37 



Total amount of property mortgaged 
Amount of Insurance held a* collateral 



$115,850 on 
41,850 00 



280 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses 

dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals . 

Gross cash expenditures . 



$134,999 26 

20,000 00 

51,296 23 

7,896 44 

7,651 35 

10,314 40 

. $232,157 68 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1879 . $20,813,629 00 $240,832 30 
written during 1880 . . 19,401,398 00 248,220 00 



Total ..... 
Deduct risks expired and terminated 

In force at end of year 



$40,215,027 00 $489,052 30 
16,571,688 00 219,375 50 



$23,643,339 00 $209,676 80 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (8 per cent) 
Fire losses incurred during the year . 

Company's stock owned by directors . 



,560,137 97 
778,602 16 
164,000 00 
20,000 00 
134,250 26 
106,000 00 



NEW YORK AND BOSTON INSURANCE COMPANY, NEW 

YORK, N.Y. 

[Incorporated July 28, 1876. Commenced business Aug. 1, 1876.] 

Paid-up Capital, $200,000. 

A. G. Stevens, President. R. L. Livingston, Secretary. 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
United States bonds .... 
Cash in the office of the company . 

deposited in bank .... 
Premiums in course of collection (gross) 



$14,493 87 

16,000 00 

985 58 

157,518 75 

8,139 10 

6,491 05 

8,723 08 



* Value of lands mortgaged 
Value of huildings thereon 
Amount of insurance held as collateral 



$10,000 00 
15,000 00 
15,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



281 



Rents due and accrued . 
Re-insurance due .... 
Prem's more than three months due, 
Gross assets . 



$186 66 



Liabilities. 
Losses claimed and reported . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . . • 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Cash rec'd for marine and inland premiums 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums 
Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents ..... 

from all other sources 

Gross cash income .... 

Expenditures. 
Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash paid for marine and inland losses . 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash paid for commissions and brokerage 

for salaries of officers aud employe's 

for state and local taxes . 

for incidentals 



$108 00 
36 02 



$3,138 65 

36,791 71 

500 00 

1,744 16 



$83,399 10 
5,949 97 

$13,620 98 
1,335 20 



sources 



$50,957 52 

311 63 

$14,178 53 

651 66 



Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 



written during 1880 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 
3fl 



$242,495 45 



$3,900,059 00 
10,576,752 00 

i>l 1,170,811 00 
7,170,653 00 

$7,006,158 00 
152,591 00 



42,174 52 

$200,320 93 
200,000 00 

$320 93 



$77,449 13 



12,285 78 

419 99 

4,253 33 

1,647 30 

8,000 00 

$104,055 53 



$50,645 89 



13,526 87 

17,824 64 

8,8S6 43 

2,158 98 

10,051 48 

$103,091 29 

Premiums. 

$28,192 38 

90,425 10 

9113,017 48 
45,828 !)5 

$72,788,53 
952 42 



1,853,507 00 $71,836 11 



282 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1879 . 
written during 1880 . 

Total 

Deduct risks expired and terminated 



Premiums. 

$29,033 00 $407 96 

4,387,817 00 13,620 98 



M,416,850 00 $14,028 94 
4,416,850 00 14,028 94 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Fire losses incurred during the year 
Marine and inland losses incurred during the year 
Company's stock owned by directors 



$212,849 72 
131,286 93 

48,720 82 

14,178 53 

121,900 00 



NEW YORK BOWERY FIRE INSURANCE COMPANY, 
NEW YORK, N.Y. 

[Incorporated April 24, 1833. Commenced business September, 1833.] 

Paid-up Capital, $300,000. 

John A. Delano y, Jun., President. Henry Griffin, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bonds $610,000 00 $684,950 00 

Central Pacific Railroad bonds . . . 50,000 00 58,500 00 
Westchester town bonds .... 5,000 00 5,000 00 



$665,000 00 $748,450 00 



Securities 'held as collateral for cash loans: — 



30 shares Importers' and Traders' Nat'l Bank, 

10 

51 

50 

13 

20 



German- American National Bank . 
Importers' and Traders' Nat'l Bank, 
Oriental National Bank . 
Manhattan Gas Company 
New York Fire Insurance Company, 



Market value. Loaned thereon. 

$7,500 00 ) 
800 00 > 
10,250 00 



$5,000 00 



United States bonds 



1,625 00 
1,350 00 
2,400 00 
8,000 00 



6,900 00 
1,250 00 

2,800 00 
7,000 00 



$31,925 00 $22,950 00 



Summary of Assets Dec. 31, 18S0. 

Cash value of unencumbered real estate . . $7,172 71 

Loans on mortgage of real estate (first liens*), 62,250 00 

Interest due or accrued thereon . . . 695 28 

Stocks, bonds, etc., as per schedule . . 748,450 00 

Loans on collateral security as per schedule . 22,950 00 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$175,000 00 

100,000 00 

84,000 00 



1880.] 



ItfS. COS. OF OTHER STATES. 



283 



Cash in the office and in bank . . . $19,308 84 

Interest due and accrued .... 1,011 00 

Premiums in course of collection (gross) . 26,532 86 

Rents due and accrued ..... 50 00 

Gross assets ...... — — 

Liabilities. 

Net amount of unpaid losses .... $15,000 00 

Unearned premiums on outstanding risks . 118,813 87 

Due and accrued for rent, salaries, etc. . . 1,000 00 

Commissions and brokerage .'..... 6,000 00 

Gross liabilities, except capital . . 

Surplus as regards policy-holders .... 
Paid-up capital 



Surplus over capital . . . .... 

Income. 

Cash received for fire premiums . . . $216,774 00 
Deduct re-insurance and return premiums . 4,336 38 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages . 

and dividends received from all other sources . 
Income from rents ......... 



$888,420 69 



140,843 87 

$747,576 82 
300,000 00 

$447,576 82 



$212,437 62 

5,482 14 

24,673 43 

747 92 



Gross cash income $243,341 11 



Expenditures. 

Cash paid for fire losses . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$122,972 50 

3,487 83 



$119,484 67 
30,000 00 
12,648 62 
26,825 00 
1,862 98 
20,307 81 

$211,129 08 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$33,897,371 00 $159,96.-) 34 

44,661,052 00 241,020 00 



Total .... 

Deduct risks expired and terminated 

In force ;it end of year . 
Deduct amount re-insured 

Net amount in force 



178,558,423 00 $100,985 34 
34,483,521 00 168,392 85 



$44,074,902 00 $232,592 49 
651,011 00 4,803 90 



$43,423,891 00 $227,788 59 



281 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$1,780,980 91 

1,742,726 21 

2,510,500 00 

30,000 00 

116,734 81 

75,025 00 



NEW YORK CITY INSURANCE COMPANY, NEW YORK. 

[Incorporated Feb. 19, 1872. Commenced business March 1, 1872.] 

Paid-up Capital, $300,000. 

John W. Simonson, President. J. D. Kinsman, Secretary. 

Office, No. 151 Broadway. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds ..... $280,000 00 $325,631 25 
Brooklyn city bonds ..... 20,000 00 22,800 00 



$300,000 00 $348,431 25 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $10,000 00 

Interest due or accrued thereon ... 50 00 

Stocks, bonds, etc., as per schedule . . 348,431 25 

Cash in the office of the company . . . 5,904 24 

deposited in bank ..... 27,762 60 

Interest due and accrued .... 65 27 

Premiums in course of collection (net) . . 32,128 05 

Gross assets . . . . . . 



$424,341 41 



Liabilities. 

Losses adjusted unpaid .... 

claimed and reported . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$3,649 58 

6,170 33 

96,633 11 

766 66 



Surplus over capital 



107,219 68 

$317,121 73 
300,000 00 

$17,121 73 



* Value of lands mortgaged . . 
Value of buildings thereon 
Amount of insurance held as collateral 



$5,000 00 

10,000 00 

8,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



285 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . . — — 

Interest received on bonds and mortgages 

and dividends received from all other sources 

Gross cash income ...... 



1235,238 96 
32,007 09 



$203,231 87 

650 00 

15,939 92 

$219,821 79 



Expenditures. 

Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 

for incidentals 

- * 

Gross cash expenditures . 



$143,579 19 
13,370 46 



$130,208 73 
10,500 00 
43,912 15 
15,154 51 
2,512 12 
27,90S 01 

$230,195 52 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$20,0S3,879 00 $156,260 41 
28,200,129 00 242,499 85 



Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$48,284,008 00 $398,766 26 
23,476,142 00 199,222 17 



$24,807,806 00 $199,544 09 
1,029,643 00 9,474 93 



$23,778,223 00 $190,069 16 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (3£ per cent) . 
Fire losses incurreTl during the year . 

Company's stock owned by directors . 



$1,181,093 00 
634,829 00 
105,500 00 

10,500 00 
123,600 45 

91,000 00 



286 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



NIAGARA FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated July, 1850. Commenced business August, 1850.] 

Paid-up Capital, $500,000. 

Peter Notman, President. Thomas F. Goodrich, Secretary. 

Detailed Statement of Stocks, Bonds, Etc 

Par value. Market value. 

United States bonds $500,000 00 $579,868 75 

Jersey City bonds ...... 8,000 00 8,280 00 

District of Columbia bonds . . . . 10,000 00 10,300 00 

New York Gas-Light Company bonds . . 100,000 00 101,000 00 

Albany and Susquehanna Railroad bonds . 50,000 00 62,500 00 

Delaware and Hudson Canal Company bonds . 20,000 00 23,000 00 

Quincy, Alton, and St. Louis R.R. bonds . 49,000 00 45,600 00 

Chicago, Milwaukee, and St. Paul R.R. bonds 100,000 00 108,000 00 

St. Louis and Iron Mountain Railroad bonds . 50,000 00 55,000 00 

164 shares American Exchange National Bank 16,400 00 20,500 00 

Lake Erie and Western Railroad bonds . . 15,000 00 16,500 00 



Securities held as collateral for cash loans : ■ 

202 shares Delaware, Lackawanna, and W.R.R 
116 " New Jersey Zinc Company 

15 " Warren Railroad Company 
Buffalo, Bradford, and Pittsburg R.R. bonds 

44 shares Fourth National Bank, New York 

20 
6 

40 

86 ' 
8 

10 

15 



First National Bank, Stamford 
N. Y., N. H., and Hartford R.R. 
Lorillard Insurance Company 
Hanover Insurance Company 
Republic Insurance Company 
New York City Insurance Co. 
Sun Mutual Insurance Company 

United States bonds .... 

Chesapeake and Ohio Railroad bonds 

300 shares Central Pacific Railroad 
30 " North- Western Railroad 

100 " Chicago and Alton Railroad . 

100 " Denver and Rio Grande Railroad 

200 " Wabash Railroad . . . 

200 " Albany and Susquehanna Railroad 
50 li New York Gas-Light Company 

200 " Delaware and Hudson Canal Co. 

300 " New York Cent'l and H. R. R.R. 

200 " Western Union Telegraph Co. 

Indiana and Cincinnati Railroad bonds . 



$918,400 00 $1,030,548 75 



Market value. Loaned thereon. 
} 

[ $26,600 00 $14,000 00 
i 

J 



Y 



~) 



5,060 00 
3,900 00 

800 00 
8,350 00 

199,625 00 



4,000 00 
2,500 00 

600 00 
5,800 00 

125,000 00 



J- 64,300 00 50,000 00 



47,000 00 
64,000 00 



30,000 00 
50,000 00 



$119,635 00 $281,900 09 



1880.] 



INS. COS. OF OTHER STATES. 



28T 



Summary op Assets Dec. 31, 1880. 
Cash value of unencumbered real estate . . $25,000 00 
Loans on mortgage of real estate (first liens*), 79,500 00 



Interest due or accrued thereon 

Stocks, bonds, etc., as per schedule 

Loans on collateral security as per schedule 

Cash deposited in bank . 

Interest due and accrued 

Premiums in course of collection (gross) 

Gross assets f . 
Deduct special deposits in other states 



Balance 



Liabilities. 

Losses adjusted unpaid .... 

disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . . 
Commissions and brokerage . . . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 

Surplus as regards policy-holders 
Paid-up capital ..... 



2,380 09 

1,030,548 75 

281,900 00 

32,096 15 

15,134 40 

90,927 44 



$30,233 25 

14,500 00 

389,849 69 

245 50 

4,300 00 

$439,128 44 
14,608 00 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $687,824 93 
Deduct re-insurance and return premiums . 88,933 49 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all sources . 
Income from rents, etc 



Gross cash income .... 

Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid .... 
paid for commissions and brokerage 



$268,963 31 
21,514 40 



,557,486 83 
67,200 00 



,490,286 83 



424,520 44 

1,065,766 39 
500,000 00 

$565,766 39 



$598,891 44 

5,565 81 

66,058 96 

18,999 58 

$689,515 79 



$247,448 91 

64,990 00 

107,092 73 



• Value of lands mortgaged $lor,;j.',o oo 

Value of buildings thereon 60,750 00 

Amount of Insurance held as collateral . . . 60,750 00 

t including $260,000 special reserve fund, held under Ne'w 5Torh i.-iw. 



288 FJRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for salaries of officers and employes 
for state and local taxes . 
for incidentals . . . . 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



^65,552,928 00 
82,572,549 00 



$148,125,477 00 
63,138,013 00 

$84,987,464 00 
3,755,669 00 



$81,231,795 00 

Miscellaneous. 

Premiums received from organization of company . . ! 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (13 per cent) 

Fire losses incurred during the year .... 

Company's stock owned by directors .... 



$51,370 93 
15,993 86 
73,304 03 



$560,200 46 

Premiums. 

$594,213 48 
689,034 52 



,283,248 00 
496,916 05 



$786,331 95 
37,766 34 



$748,565 61 



.1,799,796 48 

6,575,965 91 

1,584,000 00 

65,000 00 

242,187 34 

216,200 00 



NORTHERN INSURANCE COMPANY, WATERTOWN, N.Y. 

[Incorporated March 23, 1872. Commenced business March 23, 1872.] 

Paid-up Capital, $250,000. 

George B. Phelps, President. A. H. Wray, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 

Clayton and Theresa Railroad bonds 
Keokuk and Des Moines Railroad bonds 
Rome, Watertown, and Ogdensb'gR.R. bonds, 
Utica, Clinton, and B. Railroad bonds . 
Carthage, Watertown, and S. H. R.R. bonds . 
Manistee city bonds ..... 



Securities held as collateral for cash loans : - 

50 shares Jefferson County National Bank 

Hounsfield town bond 

Rome, Watertown, and Ogdensb'g R.R. bonds, 



Par value. 

$100,000 00 

10,000 00 

4,000 00 

12,000 00 

1,000 00 

1,000 00 

400 00 



Market value. 

$107,000 00 

11,000 00 

4,120 00 

13,200 00 

1,000 00 

1,100 00 

400 00 



.28,400 00 $137,820 00 



Market value. Loaned thereon. 

$6,000 00 $5,000 00 

1,000 00 900 00 

2,200 00 1,500 00 



$9,200 00 $7,400 00 



1880.] 



INS. COS. OF OTHER STATES. 



289 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc, as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 

Interest due and accrued 

Premiums in course of collection (gross) . 

Rents due and accrued .... 

Gross assets ..... 

Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holder 
Paid-up capital .... 



$48,389 62 

95,770 77 

3,900 22 

137,820 00 

7,400 00 

3,463 19 

37,370 25 

332 29 

29,722 46 

720 82 



$9,598 25 
5,700 00 
2,100 00 

93,553 06 
2,706 15 



Surplus over capital . 

Income 

Cash received for fire premiums . . . $220,785 27 
Deduct re-insurance and return premiums . 33,060 19 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
and dividends received from all other sources . 

Income from rents 

Suspense account 



Gross cash income . 

Expenditures. 
Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals . 

Gross cash expenditures . 



$141,139 56 
3,530 71 



$364,889 62 



113,657 46 

£251,232 16 
250,000 00 

$1,232 16 



$187,725 08 

6,844 19 

7,351 28 

742 41 

893 07 

$203,556 03 



$137,608 85 

7,500 00 

33,801 88 

15,144 11 

6,270 61 

11,101 21 

$211,420 66 



* Value of 'lands mortgaged 
Value of buildings thereon 

Amount of iriHiLranco hold hh collateral 

37 



$148,800 00 

75,000 00 
68,050 00 



290 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$14,273,310 00 $181,565 66 
18,556,882 00 220,785 27 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$32,830,192 00 $402,350 93 
18,164,312 00 215,552 16 



$14,665,880 00 $186,798 77 
129,073 00 1,733 41 



$14,536,807 00 $185,065 36 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (3 per cent) 
Fire losses incurred during the year . -. * 

Company's stock owned by directors 



$1,426,087 66 

927,766 94 

32,500 00 

7,500 00 

136,695 01 

89,400 00 



NORTHWESTERN NATIONAL INSURANCE COMPANY, 
MILWAUKEE, WIS. 

[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.] 

Paid-up Capital, $600,000. 

Alexander Mitchell, President. John P. McGregor, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 



United States bonds . . 

Chicago, Milwaukee, and St. Paul R.R. bonds, 

Milwaukee water bonds . . 

Milwaukee county bonds .... 



Par value. Market value. 

$410,000 00 $480,125 00 

65,000 00 80,950 00 

150,000 00 180,000 00 

23,200 00 26,912 00 



$648,200 00 $767,987 00 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $147,000 00 

Interest due or accrued thereon . . . 1,762 22 

Stocks, bonds, etc., as per schedule . . 767,987 00 

Cash in the office of the company . . . 2,890 19 

deposited in bank ..... 60,541 65 

Interest due and accrued .... 1,298 12 

Premiums in course of collection (gross) . 22,446 99 

Salvages 2,500 00 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$211,000 00 
192,000 00 
118,750 00 



1880.] 



INS. COS. OF OTHER STATES. 



291 



Board of Trade certificates 
Due from insurance companies 
Gross assets . 

Liabilities. 

Losses adjusted unpaid .... 

claimed and reported . 
Unearned premiums on outstanding risks 
Commissions and brokerage . 
Due insurance companies 
Attorneys' fees ..... 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $301,454 88 

Deduct re-insurance and return premiums . 24,390 64 
Net cash received for fire premiums 

Cash rec'd for marine and inland premiums . $54,546 69 

Deduct re-insurance and return premiums . 10,307 88 

Net cash rec'd for marine and inl'd premiums, 

Interest received on bonds and mortgages . . . 

and dividends received from all other sources . 



$500 00 
267 75 



$4,659 08 

20,945 00 

167,140 61 

3,100 48 

3,200 37 

458 33 



,007,193 92 



Gross cash income .... 

Expenditures. 
Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid ..... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals . 



$145,419 39 
681 00 

$60,240 06 
12,246 49 



Gross cash expenditures .... 
Risks and Premiums. 

$25,175,228 00 
31,739,084 00 



Fire risks outstanding Dec. 31, 1879 
■written during 1880 



Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 



$56,914,312 00 

28,88(5,079 00 

$28,027,333 00 
231,701 00 



199,512 87 

$807,681 05 
600,000 00 

$207,681 05 



$277,061 24 



44,238 81 
10,301 49 
38,537 40 

$70,141 94 



$144,738 39 



47,993 57 
48,000 00 
45,233 58 
31,261 63 
9,124 36 
31,980 78 

$358,332 31 

Premiums. 

$287,459 88 
298,290 49 

$585,750 37 
262,364 11 

$323,385 96 
2,287 99 



Net amount in force 



$27,795,632 00 $321,097 97 



292 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1879 
written during 18S0 . 

Total . . . . . 
Deduct risks expired and terminated 

In force at end of year . 



Premiums. 

$250,000 00 $5,000 00 
7,712,144 00 54,546 69 



57,962,144 00 $59,546 69 
7,812,144 00 57,546 69 



$150,000 00 $2,000 00 



Miscellaneous. 

Premiums received from organization of company 

Losses paid from organization of company 

Cash dividends declared from organization of company 

Dividends declared during the year (8 per cent) 

Fire losses incurred during the year .... 

Marine losses incurred during the year .... 

Company's stock owned by directors .... 



£4,009,351 06 

2,260,680 46 

327,000 00 

48,000 00 

133,009 37 

33,771 74 

354,500 00 



ORIENT INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1867. Commenced business January, 1872.] 
Paid-up Capital, $500,000. 
Selden C. Preston, President. George W. Lester, Secretary. 



Detailed Statement of Stocks, 

504 shares American National Bank, Hartford, 

120 < 

130 ' 

100 < 

119 < 

62 * 

182 ' 

124 ' 

324 ' 

75 < 

100 < 

300 < 

400 ' 



' iEtna National Bank, Hartford 
' Charter Oak Nat'l Bank, Hartford, 
' Farm's and Mech. Nat'l B'k, H'd . 
' Mercantile National B'k, Hartford, 
' Phoenix National Bank, Hartford . 
' Exchange National Bank, Hartford, 
' City National Bank, Hartford 
' Hartford National Bank, Hartford, 
' Metropolitan National Bank, N.Y. 
Conn. Trust and Safe Deposit Co. . 
■ N. Y., N. II., and Hartford R. 11. Co. 
' Cleveland and Pittsburg R.R. Co. . 

Chicago, Milwaukee, and St. Paul R.R. bonds, 

Indianapolis and Cincinnati R.R. Co. bonds . 

Vermont Valley Railroad Company bonds 

Peoria (111.) county bonds 

Pawtucket (R.I.) town bonds . 

New Brunswick (N.J.) city bonds 

Evansville (Ind.) city bonds . 

Atlantic Dock Company bonds 

Norwich (Conn.) town bonds . 

Lockport (N.Y.) city bonds . 



Bonds, Etc. 

Tar value. 

$25,200 00 
12,000 00 
13,000 00 
10,000 00 
11,900 00 

6,200 00 

9,100 00 
12,400 00 
32,400 00 

7,500 00 
10,000 00 
30,000 00 
20,000 00 
20,000 00 
11,000 00 
25,000 00 

5,000 00 
25,000 CO 
10,000 00 
15,000 00 

9,000 00 
60,000 00 
10,000 00 



Market value. 

$37,296 00 
16,320 00 
18,200 00 
13,000 00 
16,065 00 
10,416 00 
13,832 00 
12,772 00 
53,400 00 
11,250 00 
10,000 00 
51,900 00 
25,400 00 
24,600 00 
11,550 00 
25,250 00 
5,500 00 
2S,750 00 
10,000 00 
15,750 00 
9,540 00 
72,000 00 
11,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



293 



Washington (Ind.) city (school) bonds 
Indianapolis (hid.) city bonds 
Hartford (Conn.) town bonds 
United States bonds . 



Tar val ue. Market value. 

$15,000 00 $16,500 00 

20,000 00 21,000 00 

4,000 00 4,280 00 

25,000 00 26,125 00 



$453,700 00 $571,756 00 



Securities held as collateral for cash loans : — 



5 shares JEtna National Bank 
25 " National Fire Insurance Company 
25 " Adams Express Company stock 
30 " JEtna Life Insurance Company 

2 " iEtna Fire Insurance Company 
15 " American National Bank, Hartford 

5 " Charter Oak Nat'l B'k stock, H'd 

3 " First National Bank, Hartford 
388 " Willimantic Linen Company . 
Connecticut state bonds .... 
United States bonds .... 



Market value. Loaned thereon 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 

Interest due and accrued 

Premiums in course of collection (net) . 

Rents due and accrued .... 

Gross assets ..... 

Liabilities. 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$680 00 


$300 00 


4,250 


00 


600 00 


3,000 


00 


786 00 


4,500 


00 


1,200 00 


520 


00 1 

1 




1,110 


00 I 


1,880 00 


700 I 




369 


00 J 




32,980 


00 


20,000 00 


3,360 


00 


3,000 00 


1,135 


00 


1,000 00 


$52,604 


00 


$28,766 00 


. 31, 1880. 






. $27,994 69 




), 126,850 


00 




1,997 


31 




571,756 


00 




28,766 


00 




1,565 


23 




53,696 


93 




8,687 


39 




31,986 


52 




2S1 


00 






<fcS^3 *ft1 CV7 




• 


(IUUU,UU1 V/l 


. $15,809 


35 




. 155,160 


41 


170,969 76 



. $682,611 31 
. 500,000 00 



Surplus over capital . 



. $182,611 31 



* Total value of property mortgaged . 
Amount of Influrancc hol<l an collateral 



|330,000 00 

U6,0.>0 00 



294 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . . $279,429 95 
Deduct re-insurance and return premiums . 30,624 94 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents ......... 



Gross cash income 



$248,805 01 

8,986 64 

34,213 71 

519 50 

$292,524 86 



Expenditures. 
Cash paid for fire losses . . . . $ 

Deduct salvage and re-insurance 
Net cash paid for fire losses . . . . - 
Cash dividends paid ..... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

Gross cash expenditures .... 

Risks and Premiums. 



^55,718 16 
5,407 48 



$150,310 68 
50,000 00 
40,087 08 
21,664 92 
6,381 96 
19,197 85 

$287,642 49 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$24,764,441 00 $279,240 99 
24,448,329 00 279,429 95 



$49,212,770 00 $558,670 94 
23,309,507 00 247,009 42 



$25,903,263 00 $311,661 52 
342,630 00 5,246 31 



$25,560,633 00 $306,415 21 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors . ... 



$2,860,732 99 

1,483,736 72 

395,000 00 

50,000 00 

143,746 31 

58,800 00 



1880.] 



INS. COS. OF OTHER STATES. 



295 



ORIENT MUTUAL INSURANCE COMPANY, NEW YORK. 

[Incorporated Feb. 18, 1854. Commenced business March 1, 1854.] 

Eugene Dutilh, President. Charles Irving, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 



United States bonds .... 
Sandy Hook and City Island Tel. Co. stock 



Par value. Market value. 

$250,000 00 $280,031 25 
1,000 00 1,000 00 



$251,000 00 $281,031 25 



Summary of Assets Dec. 31, 1880 



Cash value of unencumbered real estate 
Stocks and bonds as per schedule . 
Cash deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Re-insurance due . . 
Company's own scrip . . $77,142 00 
Gross assets ...... 



$350,029 18 

281,031 25 

93,279 63 

4,628 52 

73,146 06 

319,466 24 

3,889 54 



-$1,125,470 42 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
Commissions and brokerage 
Return premiums . 
Due for re-insurance 

Gross liabilities, except scrip 

Surplus as regards policy-holders 
Scrip outstanding not ordered to be redeemed * 

Surplus over scrip .... 



$116,050 00 

2,750 00 

154,517 68 

836 00 

8,515 13 

6,238 27 

18 38 

7,093 50 



- 296,018 96 

. $829,451 46 

. 593,528 00 

. $235,923 46 



Income. 

Cash rec'd for marine and inland premiums, $1,037,170 10 
Deduct re-insurance and return premiums . 236,429 91 

Net cash rec'd for marine and inl'd premiums, $800,740 19 

Interest and dividends received from all sources . . . 13,944 25 
Income from rents ......... 27,000 50 



Gross cash income ........ $841,684 94 



* Not Including 877,142 held by company 



•296 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Expenditures. 
Cash paid for marine and inland losses . . $854,349 
Deduct salvage and re-insurance . . . 212,933 
Net cash paid for marine and inland losses 
Interest paid scrip-holders 
Cash paid for commissions and brokerage 

for salaries of officers and employe's 

for state and local taxes . 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



06 
81 



$641,415 25 
39,010 62 
78,647 18 
42,879 08 
16,025 10 
17,884 13 

$S35,861 36 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 



$23,706,612 
215,773,599 



Premiums. 

00 $144,765 10 
00 1,041,762 63 



$239,480,241 
207,173,923 



00 $1,186,527 73 
00 1,032,010 05 



12,306,318 00 $151,517 68 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Marine and inland losses incurred during the year 



522,777,975 28 
12,019,211 18 
. 500,989 47 



PACIFIC FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 26, 1851. Commenced "business April 29, 1851.] 
Paid-up Capital, $200,000. 
Thomas F. Jeremiah, President. William A. Butler, Secretary. 

Detailed Statement op Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $423,000 00 $495,595 62 

Securities held as collateral for cash loans: — 

42 shares Marine National Bank 



40 
20 
20 
30 

9 
18 
10 

2 
20 



Mechanics' Bank, Brooklyn 
Importers' and Traders' Bank . 
Chatham National Bank . 
Importers' and Traders' Ins. Co. 
Importers' and Traders' Nat'l Bank 
Importers' and Traders' Ins. Co. 
People's Fire Insurance Company 
Eighth Avenue Railroad . 
National Citizens' Bank . 



Market value. Loaned thereon. 


$5,460 00 I 
3,400 00 ) 


$7,000 00 




4,600 00^ 

550 00 [■ 

1,470 00) 




2,975 00 




, 2,070 00 


900 00 


882 00 


600 00 


560 00 


400 00 


400 00 


200 00 


550 00 


450 00 



$19,942 00 $12,525 00 



1880.] 



INS. COS. OF OTHER STATES. 



297 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Bonds as per schedule .... 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) . 
Rents due and accrued .... 
Prem's more than three months due, $106 20 
Gross assets . . . . . . 



181,100 00 

102,850 00 

911 38 

495,595 62 

12,525 00 

4,325 14 

9,865 84 

772 69 

14,121 78 

252 08 



8722,319 53 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents ..... 



$3,675 00 
1,400 00 

85,483 49 
3,086 70 



Gross cash income .... 

Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$164,019 21 
6,958 69 



sources 



$67,924 61 
2,506 15 



93,645 19 

$628,674 34 
200,000 00 

$428,674 34 



$157,060 52 

8,863 04 

25,274 01 

1,512 90 

$192,710 47 



$65,418 46 
40,000 00 
27,639 39 
27,313 39 
5,602 32 
11,984 55 

$177,958 11 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of Insurance hold an collateral 



$108,800 00 
102,700 00 

101,700 <X) 



S8 



298 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$25,121,140 00 $137,375 96 
30,125,697 00 170,969 64 



$55,246,837 00 $308,345 60 
27,190,979 00 139,678 19 



$28,055,858 00 $168,667 41 
281,457 00 1,886 59 



$27,774,401 00 $166,780 82 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (20 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors 



3,432,249 00 

1,502,000 00 

1,038,000 00 

40,000 00 

54,493 46 

50,450 00 



PARK FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated March, 1853. Commenced business March, 1853.] 
Paid-up Capital, $200,000. 
William Jaffray, President. William Valentine, Secretary. 

Summary of Assets Dec. 31, 1880. 



United States bonds .... 
Cash deposited in bank . , . 
Interest due and accrued 
Premiums in course of collection (gross) 
Prem's more than three months due, $480 33 
Gross assets . . . 

Liabilities. 

Losses adjusted unpaid .... 

disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
State and local taxes . . . 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital . . . 



$328,762 50 
5,795 54 
6,337 50 
5,467 32 



Surplus over capital . 



$3,300 00 
1,000 00 

30,827 45 
750 00 
574 36 
820 09 



$346,362 86 



- 37,271 90 

. $309,090 96 
. 200,000 00 



. $109,090 96 



1880.] 



INS. COS. OF OTHER STATES. 



299 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 

Income from rents ...... 



$67,998 95 
5,460 32 



$62,538 63 

14,655 00 

100 00 



Gross cash income $77,293 63 



Expenditures. 
Cash paid for fire losses .... 
dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 



$25,634 84 

24,000 00 

10,802 69 

10,500 00 

592 05 

7,235 62 



Gross cash expenditures . . . .... $78,765 20 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$7,236,083 00 
13,047,282 00 



Premiums. 

$51,789 40 
66,855 46 



$20,283,365 00 $118,644 86 
12,043,468 00 57,007 77 



1,239,897 00 
283,500 00 



$61,637 09 
1,080 72 



',956,397 00 $60,556 37 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (12 per cent) . 
Fire losses incurred during the year . . . 
Company's stock owned by directors .... 



52,373,518 54 

1,157,706 52 

678,000 00 

24,000 00 

22,676 95 

51,700 00 



PENNSYLVANIA FIRE INSURANCE COMPANY, PHILADEL- 
PHIA, PENN. 

[Incorporated March, 1825. Commenced business April, 1825.] 

Paid-up Capital, $400,000. 

John Devereux, President. William. G. Crowell, Secretary, 

Detailed Statement of Stocks, Bonds, Etc. 

Par value Market, value. 

United States bonds $270,000 00 .$274,950 00 

Philadelphia city loans 55,500 00 70,000 00 

250 shares Phila., Wil., and Bait. R.R. Co. . 12,500 00 18,500 00 



300 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Philadelphia, Wil., and Bait. R R. bonds 
Pennsylvania Railroad Company bonds . 
Easton and Amboy Railroad Company loan 
Philadelphia and Reading Railroad Co. loan 
Delaware Railroad Company loan . 
Philadelphia and Erie Railroad Company loan 
North Pennsylvania Railroad Company loan 
Lehigh Valley Railroad Company loan . 
Harris., Ports., Mt. Joy, and L. R.R. Co. loan 
Elmira and Williamsport Railroad Co. loan 
West Jersey Railroad Company loan 
Pennsylvania and N. Y. Canal and R.R. loan 
United Companies of New Jersey loan . 
Southern Central R.R. Co. of N. Y. loan 
Western Pennsylvania Railroad Co. loan 
The Car Trust of Pennsylvania 
The Empire Car Trust . . . . 
The New Jersey Car Trust 
Central New Jersey Car Trust 
The New York and Pacific Car Trust Asso. 
Car Trust of New York, No. 2 
The Pennsylvania Company . 
American Steamship Co. of Phila. loan . 
Schuylkill Navigation Company loan 
Lehigh Coal and Navigation Company loan 
Chesapeake and Delaware Canal Co. loan 
Delaware Division Canal Company loan . 
Phila. and Reading Coal and Iron Co. loan 
Pennsylvania state loan, 6s 
Harrisburg city loan, 6s . 
St. Louis city loan, 6s 
Delaware state loan, 6s . 
New Jersey state loan, 6s 
Camden county loan, 6s . 
Cincinnati city loan 
Pittsburg city loan . 
Newark city loan, 7s 
200 shares Philadelphia bank stock 
20 " Manayunk Gas Company stock 



Par value. 

$10,000 00 
99,000 00 
50,000 00 
59,021 00 
15,000 00 
25,000 00 
40,000 00 
55,000 00 
20,000 00 
25,000 00 
10,000 00 
24,000 00 
60,000 00 
20,000 00 

4,000 00 
57,000 00 
27,000 00 
22,000 00 
18,000 00 
47,000 00 
33,000 00 
20,000 00 
15,000 00 
20,700 00 
49,000 00 
10,000 00 
20,000 00 
20,000 00 

1,500 00 
18,000 00 
25,000 00 
10,000 00 

1,000 00 
15,000 00 
53,000 00 
60,000 00 
20,000 00 
20,000 00 

1,000 00 



Market value. 
$11,500 00 
107,310 00 
52,500 00 
66,780 80 
17,400 00 
26,500 00 
43,600 00 
65,890 00 
21,400 00 
29,000 00 
12,100 00 
29,280 00 
69,600 00 
20,000 00 

4,400 00 
57,000 00 
27,000 00 
22,000 00 
18,000 00 
47,000 00 
33,000 00 
20,000 00 
16,500 00 
17,890 00 
53,610 00 

8,500 00 
20,000 00 
10,000 00 

1,635 00 
21,240 00 
28,500 00 
10,500 00 

1,000 00 
16,200 00 
66,580 00 
72,820 00 
22,950 00 
43,200 00 

1,000 00 



,437,221 00^1,576,835 SO 



Securities held as collateral for cash loans : — 

500 shares Pennsylvania Railroad Company . 
100 " Pennsylvania Railroad Company . 
50 " American Life Ins. Company 



Market value. Loaned thereon. 

$33,500 00 $27,500 00 

3,350 00 2,800 00 

2,500 00 2,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



801 



15 shares Pennsylvania Fire Ins. Company . 
6 " Insurance Company State of Penn. 



Market value. Loaned tliereon. 

$2,550 00 $1,000 00 
1,781 00 1,000 00 



$13,684 00 $31,800 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 

Loans on mortgage of real estate (first liens *), 

Interest due or accrued thereon 

Stocks, bonds, etc., as per schedule 

Loans on collateral security as per schedule 

Cash in the office of the company . 

deposited in bank . . 
Premiums in course of collection (gross) 
Gross assets ..... 



$128,500 00 

291,807 00 

6,132 64 

1,576,835 SO 

34,800 00 

5,059 12 

20,440 00 

67,404 15 



$2,131,038 71 



Liabilities. 

Losses adjusted unpaid . . . . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
State and local taxes .... 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



$45,000 00 

354,670 05 

424,499 65 

2,000 00 

20,000 00 



846,169 70 



$1,284,S69 01 
. 400,000 00 



. $884,869 01 



Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents ..... 

from perpetual insurance . 
Profit on securities sold .... 
Deposits received for perpetual fire risks . 



Gross cash income 



Cash paid for fire losses . 
dividends paid 



552,205 38 
50,796 54 



sources 



Expenditures. 



$17,311 47 



$601,408 84 

19,392 43 

80,411 04 

250 00 

6S7 20 

983 94 



$703,133 45 



$345,695 18 
40,000 00 



» Total value of propert) mortgaged . 
Amount of Insurance beld ai collateral 



$81 i. I 00 

196,167 00 



302 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for commissions and brokerage . . . . $95,101 85 

for salaries of officers and employes . . . 92,905 53 

for state and local taxes . . .... 19,354 54 

for incidentals . . . .... 13,031 64 

Deposits returned on perpetual fire risks . . $12,450 01 



Gross cash expenditures .... 
Rrsics and Premiums. 



. $606,088 74 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..;.... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

3,177,560 00 $632,884 00 
62,288,560 00 652,205 38 



$115,466,120 00 $1,285,089 38 
54,816,489 00 582,367 48 



$60,649,631 00 $702,721 90 
809,334 00 9,158 99 

$59,840,297 00 $693,562 91 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year. . 
Company's stock owned by directors . . 



18,531,245 00 

5,868,390 00 
2,019,000 00 

40,000 00 
348,695 18 

72,500 00 



PEOPLE'S INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated March 5, 1866. Commenced business Oct 11, 1867.] 

Paid-up Capital, $300,000. 

John M. Randall, President. J. H. Lindsley, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds ..... $122,000 00 $125,950 00 
Essex county bond 9,000 00 9,540 00 



$131,000 00 $135,490 00 



Securities held as collateral for cash loans: — 

Market value. Loaned thereon. 

. $11,775 00 $7,000 00 

900 00 500 00 



Newark City Ice Company stock 
German National Bank . 



.2,675 00 $7,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



303 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets ..... 



1155,506 34 

116,920 61 

3,388 51 

135,490 00 

7,500 00 

9,663 44 

31,400 10 

285 00 

13,850 05 

1,974 00 



$475,978 05 



Liabilities. 

Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital and scrip 

Surplus as regards policy-holders 
Paid-up capital ..... 
Scrip outstanding not ordered to be redeemed 



Surplus over capital and scrip . 



$20,299 46 

7,326 32 

200 00 

115,120 51 
1,500 00 



144,446 29 



. . . $331,531 76 
$300,000 00 
633 00 
300,633 00 



$30,898 76 



Income. 

Cash received for fire premiums . . . $250,778 53 
Deduct re-insurance and return premiums . 21,521 41 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents 



$229,257 12 
8,131 75 
8,195 75 
5,816 44 



Gross cash income $251,401 06 



Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid 

paid for redemption of scrip 



$180,375 38 
4,473 47 



$175,901 91 

12,000 00 

229 75 



* Value of kinds iii(ut'_'.iL"-'l 

Value of buildings thereon 

Amount of iriHmanee held as collateral 



$100,000 00 
184,060 00 
110,800 oo 



304 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

Gross cash expenditures .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 



written during 1880 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$19,710,324 00 
22,981,046 00 

$42,691,370 00 
21,622,014 00 

$21,069,356 00 
424,394 00 



$52,116 52 

13,650 01 

9,807 15 

9,314 49 

$273,019 83 

Premiums. 

$222,380 68 
250,377 52 

$472,758 20 
238,449 98 

$234,308 22 
5,401 74 



$20,644,962 00 $228,906 48 

Miscellaneous. 

Premiums received from organization of company . $2,610,150 95 

Losses paid from organization of company .... 1,297,165 32 

Cash dividends declared from organization of company . 224,220 00 

Dividends declared during the year (4 per cent) . . . 12,000 00 

Fire losses incurred during the year 172,158 39 

Company's stock owned by directors ..... 142,800 00 



PEOPLE'S FIRE INSURANCE COMPANY, TRENTON, N.J. 

[Incorporated Feb. 25, 1861. Commenced business Feb. 10, 1865.] 

Paid-up Capital, $300,000. 

Charles Scott, President. C. V. C. Murphy, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 

New Jersey state bonds . 

Jersey city bonds 

Elizabeth city bonds 

Mechanics' National Bank stock 

Pennsylvania Railroad Company stock 

Central Railroad of New Jersey bonds 



Par value. 

$180,000 00 

15,000 00 

25,000 00 

10,000 00 

7,500 00 

50,000 00 

1,000 00 



Market value. 

$191,512 50 

16,800 00 

26,250 00 

4,000 00 

9,600 00 

66,875 00 

1,120 00 



$288,500 00 $316,157 50 

Summary of Assets Dec. 31, 1880. 
Cash value of unencumbered real estate . . $33,004 40 
Loans on mortgage of real estate (first liens *), 20S,150 00 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$204,600 00 
256,500 00 
146,400 00 



1880.] 



INS. COS. OF OTHER STATES. 



305 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Cash deposited in bank .... 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets . . 

Liabilities. 
Losses adjusted unpaid ' . 

claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 
Return premiums ..... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$3,392 25 

316,157 50 

33,035 60 

17,106 12 

126 00 



$13,892 23 
4,630 00 
1,500 00 
92,022 77 
350 00 
3,420 20 
1,703 77 



$610,971 87 



- 117,518 97 

. $493,452 90 
. 300,000 00 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $155,033 14 
Deduct re-insurance and return premiums . 14,928 99 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents ......... 



. $193,452 90 



$140,104 15 

12,373 88 

16,665 47 

4,156 26 



Gross cash income . $173,299 76 

Expenditures. 
Cash paid for fire losses 



dividends paid ..... 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

Gross cash expenditures .... 

Risks and Premiums. 



$98,962 03 
24,000 00 
31,469 70 
10,119 97 
3,578 65 
10,786 84 

$178,917 19 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 
3D 



Premiums. 

,897,544 00 $201,089 46 
14,835,573 00 153,069 10 



$31,73:5,117 00 $351,158 56 
15,939,716 00 166,096 12 



$15,703,401 00 $188,062 44 
142,701 00 1,884 84 



$15,050,700 00 $180,178 10 



306 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (8 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . 



,536,052 00 
728,275 53 
176,000 00 
24,000 00 
102,801 32 
150,650 00 



PHENIX INSURANCE COMPANY, BROOKLYN, N.Y. 

[Incorporated Sept. 10, 1853. Commenced business Sept. 10, 1853.] 

Paid-up Capital, $1,000,000. 

Stephen Crowell, President. Philander Shaw, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 
Tennessee state bonds 
North Carolina state bonds 
Mississippi state certificate 
Virginia deferred certificates 
Kings county bonds, 6s . 
Brooklyn city bonds 
Nassau Gas-Light Company certificates 
900 shares Nassau Gas-Light Company 
300 " New York Mutual Gas-Light Co. 
People's Gas-Light Company bonds 
590 shares People's Gas-Light Company 



440 
100 

65 
1617 

80 

13 
500 
500 
200 

75 
200 

50 
100 

87 
250 

40 

80 



Brooklyn Gas-Light Company 
New York Gas-Light Company 
Union Ferry Company 
Brooklyn City Railroad 
Commercial Bank, Brooklyn 
Merchants' Nat'l Bank, N.Y. 
Metropolitan Nat'l Bank, N.Y. 
American Exc. Nat'l Bank, N.Y 
Fourth National Bank, N.Y. 
National Bank of the Republic 
Central National Bank, N.Y. 
Shoe and Leather Nat'l B'k, N.Y 
St. Nicholas Nat'l Bank, N.Y. 
Nat'l Bank of Commerce, N.Y. 
Mechanics' Bank of Brooklyn 
Mechanics' Nat'l Bank of N.Y. 
City Bank of Brooklyn 



Houston and Texas Railroad bonds 



Par value. 

$794,000 00 
45,000 00 
10,000 00 
20,000 00 
14,772 33 

1,000 00 
21,000 00 
17,000 00 
22,500 00 
30,000 00 
57,000 00 

5,900 00 
11,000 00 
10,000 00 

6,500 00 
16,170 00 

4,800 00 

650 00 

50,000 00 

50,000 00 

20,000 00 

7,500 00 
20,000 00 

5,000 00 
10,000 00 

8,700 00 
12,500 00 

1,000 00 

4,000 00 

3,000 00 



Market value. 

$886,876 25 
22,500 00 

3,225 00 
20,000 00 

2,363 57 

1,100 00 
25,620 00 
17,000 00 
11,700 00 
21,300 00 
58,040 00 

2,065 00 
12,650 00 
10,000 00 

9,880 00 
27,893 25 

4,896 00 

871 00 

77,000 00 

69,000 00 

24,0(0 00 

9,750 00 
24,000 00 

6,500 00 
11,000 00 
13,050 00 
23,125 00 

1,450 00 
10,000 00 

3,420 00 



,278,992 33$1,410,275 07 



1880.] 



INS. COS. OF OTHER STATES. 



307 



Securities held as collateral for cash loans: — 



20 shares Montauk Fire Insurance Company 
10 " Mechanics' Fire Ins. Company 
40 " Mechanics' Bank . . 
4 " Shoe and Leather Nat'l B'k, N.Y 
10 " N. Y. Economical Printing Co. 
60 " Manhattan Fire Ins. Co., N.Y. 
130 " Union Trust Company, N.Y. . 
16 " Shoe and Leather Nat'l B'k, N.Y 
25 " Lamar Fire Insurance Co., N.Y. 
50 " Fireman's Trust Ins. Co., Brooklyn 
7 " Market National Bank, N.Y. . 
People's Gas-Light Co. (Brooklyn) bonds 
40 shares Long Island Bank, Brooklyn . 
20 " Montauk Fire Ins. Co., Brooklyn 
30 " Standard Fire Ins. Co., N Y. . 

7 " Union Ferry Company, Brooklyn 
Kings county bonds . . 

8 shares Home Fire Insurance Co., N.Y. 

50 " Hamilton Fire Insurance Co., N.Y 
5 " Amer. Exc. Fire Ins. Co , N.Y. 

30 " Citizens' Bank, New York 

25 " Hanover National Bank. N.Y. 
5 " Norwich and Worcester R.R. Co. 
5 " Chicago, Bur., and Q. R.R. Co. 

60 " Manhattan Fire Ins. Co., N.Y. 

40 " Tradesmen's Fire [ns. Co , N.Y. 

24 " Mechanics' National Bank, N.Y. 

New York City bond .... 

30 shares Long Island Ins. Co., Brooklyn 



Market value. 

$1,200 00 

875 00 

3,700 00 

520 00 

1,500 00 

6,600 00 

15,600 00 

2,080 00 

2,625 00 

540 00 

826 00 

15,300 00 

2,000 00 

1,200 00 

1,875 00 

1,064 00 

5,750 00 

1,200 00 

1,050 00 

520 00 

802 50 

3,000 00 

500 00 

845 00 

6,600 00 

1,100 00 

810 00 

2,120 00 

1,800 00 



Loaned thereon. 

1 
I 

[ $5,533 38 



J 



Summary of Assets Dkc. 31, 1880* 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens f), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 
deposited in various banks 



$387,500 00 

202,050 00 

4,483 00 

1,410,275 07 

62,333 38 

1,493 58 

230,635 18 



1,000 00 
5,500 00 

18,000 00 

1,100 00 

8,000 00 
2,500 00 

1,200 00 

700 00 

4,000 00 

2,000 00 
400 00 

3,000 00 

500 00 

6,000 00 

500 00 

1,400 00 
1,000 00 



$83,602 50 $62,333 38 



* The company holds, also, instalment premium notes to the amount of $270,223, which 
do not (;iiter into nor form any part of the assets of the company, as no portion of them is 
earned. Whatever value is attached to them would necessarily be counterbalanced by the 
addition of an exactly equal amount to the re-iiisnrance liability, the entile sum consisting of 
" unearned premiums." 



f Value of lands mortya^ed . . 

Value of buildings thereon 
Amount of insurance held as collateral . 



$133,650 00 
273,100 00 
286,. r )(H) 00 



308 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest due and accrued 

Premiums in course of collection (gross) 

Notes taken for marine and inland risks 

Re-insurance due from other companies 

Rents due and accrued . 

Salvage on losses paid 

Wrecking- tug, pumps, etc. 

Gross assets 
Deduct special deposits in other states 



$3,551 23 
147,595 92 
12,781 73 
19,216 00 
2,713 58 
21,030 00 
32,000 00 



Balance 



•$2,538,258 67 
. 222,068 75 

$2,316,189 92 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rent 
Commissions and brokerage . 
Return premiums , 

Gross liabilities, except capital 
Deduct liabilities on special deposits 



Surplus as regards policy-holders 
Paid-up capital . . ... 



$13,917 00 

140,214 66 

11,822 00 

965,168 22 

2,000 00 

3,606 47 

46 71 

,136,775 06 
51,253 43 



- 1,085,521 63 

$1,230,668 29 
. 1,000,000 00 



Surplus over capital 



. $230,668 29 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash rec'd for marine and inl'd premiums, 

Deduct re-insurance and return premiums 

Net cash rec'd for marine and inl'd premiums 

Unpaid premium notes rec'd during the year 

Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents ..... 
from wrecking-pumps, etc. . 

Gross cash income .... 



$1,599,942 07 
158,109 48 



$1,067,801 14 
326,656 88 

$12,781 73 

sources . 



,441,832 59 



741,144 26 

13,916 23 

71,660 92 

3,418 45 

12,043 94 



$2,284,016 39 



1880.] 



INS. COS. OF OTHER STATES. 



309 



Expenditures. 
Cash paid for fire losses .... 

for marine and inland losses . 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals . 



Gross cash expenditures .... 

Risks and Premiums. 



$1,265,357 61 
. 463,392 50 



$616,922 82 



801,965 11 
100,000 00 
420,555 94 
182,583 17 
38,446 31 
148,397 10 



$2,308,870 45 



Fire risks outstanding Dec. 31, 1879 

written during 1880 

Total . . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31 , 1879 
written during 1880 . 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 



Premiums. 

$160,498,814 00 $1,565,967 92 
170,281,118 00 1,597,862 09 



$330,779,932 00 $3,163,830 01 
149,202,478 00 1,344,882 55 



$181,577,454 00 
2,698,290 00 



.,818,947 46 
26,898 43 



$178,879,164 00 $1,792,049 03 



$9,929,191 00 
166,047,511 00 



$60,494 52 
992,577 39 



$175,976,702 00 $1,053,071 91 
168,454,239 00 1,028,457 76 



$7,522,463 00 $24,614 15 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . . . . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$31,956,424 45 
16,974,231 79 
2,214,000 00 
100,000 00 
654,921 30 
800,610 90 
130,900 00 



310 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



PHCENIX INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 3854.] 

Paid-up Capital, $1,000,000. 

H. Kellocg, President. D. W. C. Skilton, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



1000 shares Hartford National Bank 
439 " Farmers' and Mech. Nat'l Bank 
800 " Mercantile National Bank . 
162 . " Charter Oak National Bank . 
200 " City National Bank 
300 " ^Etna National Bank . 
714 " Phoenix National Bank 
100 *■* Connecticut River Bank 
192 " State Bank .... 

1000 " American National Bank 
285 " National Exchange Bank 
250 " Hartford Trust Company 
100 " Metropolitan Nat'l Bank, N Y. 
180 " Merch. Exch. Nat'l Bank, NY. 
100 " Manuf. and Merch. Bank, N.Y. 
175 " National Shoe and Leather Bank 
150 " Central Trust Company 
200 " New Britian National Bank . 
400 " Water bury National Bank . 
100 " Citizens' National Bank, Cinn. 
50 " Imperial Bank, Toronto, Ont. 
75 " Nat'l Gold B'k & Trust Co., S.F 
350 " Holyoke Water Power Company 
500 " N. Y., N. H., and H. R.R. Co. 
250 " Rensselaer and Saratoga R.R. Co 
400 " Chicago, R. L, and P. R.R. Co. 
320 " Chicago, B., and Q. R.R. Co. 
500 " Cleveland and Pittsburg R.R. Co 
50 " Pittsburg, Ft. W., and Chic. R.R 

United States bonds, 6s . . . . • 

South Carolina "consuls," 6s 

Tennessee state bonds, 6s 

Hartford city bonds, 6s . 

Detroit city bonds, 7s 

Cambridge city (Ind.) bonds, 10s . 

San Francisco bonds, 6s and 7s 

Jacksonville (111.) bonds, 8s . 

New Britain water bonds, 7s . % 



Par value. 

$100,000 00 

43,900 00 

80,000 00 

16,200 00 

20,000 00 

30,000 00 

71,400 00 

3,000 00 

19,200 00 

50,000 00 

14,250 00 

25,000 00 

10,000 00 

9,000 00 

1,200 00 

7,500 00 

15,000 00 

20,000 00 

20,000 00 

10,000 00 

5,000 00 

5,250 00 

35,000 00 

50,000 00 

25,000 00 

40,000 00 

30,000 00 

25,000 00 

5,000 00 

175,000 00 

17,551 37 

26,000 00 

10,000 00 

50,000 00 

3,000 00 

19,000 00 

50,000 00 

10,000 00 



Market value. 

$165,000 00 
56,192 00 
108,800 00 
22,680 00 
20,400 00 
40,200 00 
119,952 00 

3,600 00 
22,080 00 
73,000 00 
21,660 00 
25,000 00 
15,500 00 

9,000 00 
500 00 
10,500 00 
22,500 00 
26,000 00 
32,400 00 
12,500 00 

5,300 00 

2,625 00 
87,500 00 
91,000 00 
32,000 00 
56,000 00 
54,000 00 
32,125 00 

6,400 00 
188,937 50 
18,253 42 
13,000 00 
10,300 00 
56,000 00 

3,000 00 
20,520 00 
56,000 00 
10,300 00 



1880.] 



INS. COS. OF OTHER STATES. 



311 



Par value. 

New Britain town bonds, 5s . . . . $100,000 00 

Washingcon School Dist. of Hartford bonds, 5s, 15,000 00 

Avondale town bonds . 16,000 00 

Atlantic Dock Company bonds, 7s . . . 50,000 00 

Contra Costa Water Company's bonds, 8s . 25,000 00 

Indianapolis and Cincinnati R.R. bonds, 7s . 51,000 00 

Connecticut Western Railroad bonds, 7s . 20,000 00 

Connecticut Valley Railroad bonds, 7s . . 100,000 00 

Harlem River and Port Chester R.R. bonds, 7s, 50,000 00 

Chicago North- Western R.R. bonds . . 50,000 00 

Erie Railroad bonds 50,000 00 

Cedar Rapids and Falls and N. W. IkR. bonds, 50,000 00 



Market value. 

$104,000 00 
15,450 00 
16,960 00 
53,000 00 
27,500 00 
55,080 00 
6,400 00 
70,000 00 
63,500 00 
55,250 00 
65,000 00 
51,750 00 



Securities held as collateral for cash loans 

Jefferson county (111-) bonds . 

215 shares First National Bank, Hartford 
50 " Home National Bank, Meriden 
78 " Travellers' Ins. Co., Hartford 

200 " Meridan Gas-Light Co., Meriden 

150 u Home National Bank, Meriden 
50 " JEtna Life Insurance Company 



$1,723,451 37$2,134,614 92 



Market value. Loaned thereon. 

$16,000 00) 
28,165 00 C $28,312 50 

6,000 00) 
18,640 00 6,500 00 

5,500 00 
18,000 00 

8,500 00 4,000 00 



I 18,000 00 



$100,805 00 $56,812 50 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $135,000 00 
Loans on mortgage of real estate (first liens *), 136,500 00 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets ..... 
Deduct special deposits in other states . 



Balance 



3,825 00 

2,134,614 92 

56,812 50 

17,291 82 

439,680 22 

5,784 45 

168,007 03 

1,022 08 



-$3,098,538 02 
94,412 50 

$3,004,125 52 



Liabilities. 



Losses claimed and reported 
disputed or resisted 



592,720 89 
12,800 00 



* Value of lands mortgaged 
Value of buildings thereon 

Amount of insurance held as collateral 



,600 00 
187,600 00 
80,600 00 



312 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 

Surplus as regards policy-holders 
Paid-up capital ..... 



1870,221 94 
26,375 00 



$1,002,123 83 
50,873 56 



$951,250 27 



^2,052,875 25 
1,000,000 00 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages 

and dividends received from all other sources . 
Income from rents . 



,052,875 25 



,473,922 58 
73,385 88 



■$1,400,536 70 
8,557 50 

. 120,095 58 
2,062 61 



Gross cash income .... 

Expenditures. 
Cash paid for fire losses .... 
dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals f ' , 

Gross cash expenditures . 



Risks and Premiums. 



,531,252 39 



$762,774 88 

200,000 00 

219,737 53 

66,036 21 

41,461 74 

114,751 16 



,404,761 52 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . 
Deduct risks expired and terminated 

In force at end of year . 



Premiums. 

$131,348,030 00 $1,495,131 72 
133,864,076 00 1,473,922 58 



$265,212,106 00 $2,969,054 30 
118,558,481 00 1,302,330 89 



$146,653,625 00 $1,666,723 41 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (20 per cent) . 
Fire losses incurred during the year , 

Company's stock owned by directors . , . , 



$24,314,483 06 

14,481,392 36 

. 2,520,000 00 

. 200,000 00 

. 732,950 75 

. 104,600 00 



1880.] 



INS. COS. OF OTHER STATES. 



313 



PROVIDENCE WASHINGTON INSURANCE COMPANY, 
PROVIDENCE, R.I. 

[Incorporated 1799. Commenced business 1799.] 

Paid-up Capital, $400,000. 

J. H. DeWolf, President. Warren S. Greene, Secretary. 



Detailed Statement of Stocks, 

United States bonds ..... 

Boston city bonds . . . . . . 

New York, Providence, and Boston R.R. bonds, 

Rensselaer and Saratoga Railroad bonds 

New York Mutual Gas-Light Company bonds, 

S. B. Buckner, city of Chicago 

50 shares Nat'l B'k of Commerce, New York, 
150 " New York Mutual Gas-Light Co. 
800 " American Nat'l Bank, Providence, 

1600 " Blackstone Canal Nat'l B'k, Prov. 
300 " Commercial Nat'l B'k, Providence, 
500 " Merchants' Nat'l B'k, Providence, 
200 " Mechanics' Nat'l B'k, Providence, 
300 " Nat'l B'k of No. America, Prov. 
300 " Nat'l Bank of Commerce, Prov. . 
200 " Weybosset Nat'l B'k, Providence, 
300 " Providence Gas Company 
50 " Providence Tool Company Prov. . 

What Cheer Corporation (real estate), Prov. . 



Bonds, Etc. 

Par value. Market value. 

$200,000 00 $234,010 00 
30,000 00 36,000 00 



10,000 00 
12,000 00 
20,000 00 
45,000 00 

5,000 00 
15,000 00 
40,000 00 
40,000 00 
15,000 00 
25,000 00 
10,000 00 
15,000 00 
15,000 00 
10,000 00 
15,000 00 

5,000 00 
20,000 00 



12,500 00 
16,440 00 
20,400 00 
45,000 00 

7,350 00 
10,500 00 
42,000 00 
40,000 00 
15,000 00 
32,500 00 
14,000 00 
19,800 00 
15,900 00 
11,800 00 
19,500 00 

5,000 00 
20,000 00 



$547,000 00 ,$617,700 00 



Summary of Assets Dec. 31, 1880. 



Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Gross assets .... 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses . 
40 



$617,700 00 

859 24 

51,253 20 

3,905 00 

43,322 70 

42,491 73 



$759 29 

63,409 51 

8,985 44 

$73,154 24 
4,200 00 



$759,531 87 



,954 24 



314 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Unearned premiums on outstanding risks . $194,782 91 
Dividends to stockholders unpaid . . . 2,748 27 

Gross liabilities, except capital . . . $266,485 42 

Surplus as regards policy-holders .... $493,046 45 
Paid-up capital 400,000 00 



Surplus over capital $93,046 45 



Income. 

Cash received for fire premiums . . . $212,574 74 
Deduct re-insurance and return premiums . 21,903 87 

Net cash received for fire premiums . . $190,670 87 

Cash received for marine and inland premiums, $333,780 12 
Deduct re-insurance and return premiums . 36,602 21 

Net cash rec'd for marine and inland premiums, 297,177 91 

Unpaid premium notes received during year, $41,737 42 

Interest and dividends received from all sources . . . 25,659 59 

Income from all other sources . . .... 250 00 



Gross cash income $513,758 37 



Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$127,465 17 
5,212 52 



$196,032 74 
11,446 17 



- $122,252 65 



184,586 57 
39,536 65 
71,108 37 
17,260 67 
8,027 78 
30,223 21 

$472,995 90 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$16,910,429 00 $180,756 44 
29,829,726 00 219,588 30 



Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$46,740,155 00 $400,344 74 

22,958,635 00 158,788 28 



$23,781,520 00 $241,556 46 
1,181,659 00 10,360 92 



$22,596,861 00 $231,195 54 



1880.] 



INS. COS. OF OTHER STATES. 



315 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$1,599,908 00 
51,042,126 00 

$52,642,034 00 
50,155,891 00 

$2,486,143 00 
462,478 00 



Premiums. 

$62,441 74 
341,653 79 

$404,095 53 
325,620 87 

$78,474 66 
6,298 23 



$2,023,665 00 $72,176 43 



Miscellaneous. 

Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . . 

Marine and inland losses incurred during the year 
Company's stock owned by directors 



$40,000 00 

129,904 61 

201,626 42 

45,750 00 



RELIEF FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated September, 1855. Commenced business Dec. 17, 1855.] 

Paid-up Capital, $200,000. 

Henry Demarest, Vice-President. W. E. Crary, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds . . . $120,000 00 $135,000 00 

5,000 00 5,100 00 



District of Columbia bonds 
Montgomery city bonds . 
Rahway city bonds 
Port Chester . 



9,500 00 

10,000 00 

5,000 00 



7,600 00 
6,000 00 
5,800 00 



$149,500 00 $159,500 00 



Securities held as collateral for cash loans: — 



66 shares Hanover Fire Insurance Company 
40 « 
37 ' 
60 ' 
10 < 
165 « 



' People's Fire Insurance Company 
' Hanover Fire Insurance Company 
' Safe Deposit Company . 
' Greenwich Insurance Company 
' Exchange Fire Insurance Company 
Erie Railroad bonds .... 
30 shares Commercial Insurance Company 
30 " City Insurance Company 
100 " Kings County Insurance Company 
60 u Firemen's Insurance Company 
United States bonds .... 
Metropolitan Elevated Railroad bond 
46 shares Hanover Fire Insurance Company 
40 " Chatham Bank 



Market value. 

$4,620 00 
2,100 00 
2,590 00 
1,800 00 
600 00 
5,200 00 

25,250 00 
1,500 00 
2,650 00 
3,820 00 
1,120 00 

10,300 00 
6,1. so 00 
3,420 00 
1,100 oo 



Loaned Ihereon. 

$1,600 00 
1,850 00 

I 2,950 00 

300 00 

2,000 00 

20,000 00 



J 



5,000 00 

10,000 00 
5,000 00 

1,500 00 
000 00 

$72,250 00 $51,100 00 



316 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 

Interest due and accrued 

Premiums in course of collection (net) . 

Office furniture, etc. . . . $1,959 42 

Gross assets ...... 



$4,500 00 
43,229 31 

1,509 89 

159,500 00 

51,100 00 

2,414 36 
10,495 35 

2,665 11 
11,182 92 



$286,596 94 



Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$11,300 00 

37,651 89 

432 50 



Surplus over capital 



49,384 39 

$237,212 55 
200,000 00 

$37,212 55 



Income. 

Cash received for fire premiums . . . $122,766 40 
Deduct re-insurance and return premiums . 18,928 89 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents 



Gross cash income 



$103,837 51 

3,157 00 

13,434 25 

420 00 

$120,848 76 



Expenditures. 

Cash paid for fire losses .... 

dividends paid .... 

paid for commissions and brokerage 

for salaries of officers ancf employes 
for state and local taxes . 
for rent, etc. . . 



Gross cash expenditures 



$66,156 06 
20,000 00 
11,394 30 
10,800 00 
281 14 
10,717 92 

$119,349 42 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$52,500 00 
50,000 00 
40,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



317 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$12,263,466 
16,605,508 



Premiums. 

00 872,224 33 
00 122,766 40 



$28,868,974 
15,627,192 



00 $194,990 73 
00 116,465 76 



$13,241,782 
123,950 



00 $78,524 97 
00 816 05 



$13,117,832 00 $77,708 92 

Miscellaneous. 
Premiums received from organization of company . 



Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$4,179,903 03 
. 1,903,928 29 
. 491,000 00 
20,000 00 
68,409 03 
. 46,600 00 



REPUBLIC FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 12, 1852. Commenced business April 13, 1852.] 

Paid-up Capital, $300,000. 

Robert S. Hone, President. Duncan F. Curry, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value 

United States bonds ..... 
500 shares National Bank of Commerce . 
1 share New York Produce Exchange 
Delaware and Hudson Canal Company bonds . 



95,000 00 $109,312 50 

50,000 00 72,500 00 

800 00 

8,000 00 8,590 00 



$153,000 00 $191,202 50 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) , 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets ..... 



$131,500 00 

87,100 00 

311 08 

191,202 50 

898 76 

6,097 59 

2,625 00 

19,397 03 

1,416 00 



$440,547 96 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held aB collateral 



$190,000 00 
13,000 00 
12,000 00 



318 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Interest due or accrued on scrip 
Dividends to stockholders unpaid . 
Commissions and brokerage . 

Gross liabilities, except capital and scrip 

Surplus as regards policy-holders 
Paid-up capital ..... 
Scrip outstanding not ordered to be redeemed, 

Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from rents ..... 
Profit on sale of real estate . . . 

Gross cash income . 

Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid .... 
Interest paid scrip-holders 
Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for interest on borrowed money 

for incidentals 

Gross cash expenditures . . . 

Risks and Premiums. 



$8,495 


38 




3,681 


02 




1,800 


00 




85,629 


03 




350 


00 




571 


50 




2,215 


89 


$102,742 82 






. 


$337,805 14 


. 1300,000 00 




1, 4,130 


00 


304,130 00 




• 


• • • 


$33,675 14 


. 1175,971 40 




33,551 


42 


$142,419 98 
5,132 17 


... 




r sources . 




10,132 66 


. 




14,655 02 


. 




1,000 00 


• • • 


$173,339 83 


. $82,217 


03 




3,326 


37 








$78,890 66 










21,000 00 






21 90 






15,238 17 






28,160 00 






2,922 15 






99 35 






28,103 98 




$174,436 21 



Fire risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 



Net amount in force 



Premiums. 

$27,483,301 00 $151,758 44 
30,964,605 00 175,971 40 



$58,447,906 00 $327,729 84 
28,919,604 00 143,708 86 



$29,528,302 00 $184,020 98 
1,502,392 00 12,441 65 



$28,025,910 00 $171,579 33 



1880.] 



INS. COS. OF OTHER STATES. 



319 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (7 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors 



$5,677,159 40 
3,262,218 36 

. 575,589 35 
21,000 00 
81,206 11 

. 73,700 00 



ROCHESTER GERMAN INSURANCE COMPANY, ROCHES- 
TER, N.Y. 

[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.] 

Paid-up Capital, $200,000. 

Frederick Cook, President. Henry Norden, Secretary, 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $100,000 00 #109,687 50 

Rochester city bonds ..... 20,00000 21,00000 



$120,000 00 $130,687 50 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Interest due or accrued thereon 
Stocks, bonds, etc, as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets 



$3,634 41 

219,020 00 

5,549 21 

130,687 50 

8,296 06 

77,275 74 

352 45 

24,120 23 

48 25 



$468,983 85 



Liabilities. 

Losses adjusted unpaid .... 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$500 00 

10,640 00 

3,200 00 

130,294 10 

840 00 



145,474 10 



$323,509 75 
200,000 00 



Surplus over capital $123,509 75 



320 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Cash received for fire premiums . . . $270,909 00 
Deduct re-insurance and return premiums . 38,242 04 

Net cash received for fire premiums . . 

Cash received for marine and inland premiums, $2,965 00 
Deduct re-insurance and return premiums . 80 81 

Net cash rec'd for marine and inl'd premiums, 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents ......... 



Gross cash income 



$232,666 96 



2,884 19 

13,200 49 

8,228 35 

266 00 

$257,245 99 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash dividends paid . . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$130,427 89 
419 52 

$3,998 33 
779 02 



$130,008 37 



3,219 31 
20,000 00 
43,240 10 
10,861 37 

6,950 60 
14,953 67 

$229,233 42 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$21,353,534 00 $207,193 00 
27,448,026 00 270,909 00 



jl oral • • • • . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 



$48,801,560 00 $478,102 00 
22,589,187 00 226,631 00 



$26,212,373 00 $251,471 00 
139,975 00 1,399 00 



$26,072,398 00 $250,072 00 



$86,325 00 
509,331 00 

$595,656 00 
503,631 00 



$681 00 
2,965 18 

&3,646 18 
2,978 18 



$92,025 00 $668 00 



Miscellaneous. 
Premiums received from organization of company . $1,544,271 26 
Losses paid from organization of company .... 723,389 33 



1880.] 



INS. COS. OF OTHER STATES. 



321 



Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 

Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$131,000 00 

20,000 00 

133,833 37 

3,459 31 

36,525 00 



RUTGERS FIRE INSURANCE COMPANY OF THE CITY OF 

NEW YORK, N.Y. 

[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.] 

Paid-up Capital, $200,000. 

Edward B. Fellows, President. Joseph F. Hanford, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Forty-second and Grand Street R.R. bonds . $6,000 00 $6,750 00 
District of Columbia bonds .... 75,000 00 78,000 00 



Securities held as collateral for cash loans: 

50 shares Tradesmen's National Bank 

50 " Citizens' National Bank . 

25 " Manufacturers' National Bank 

50 " Tradesmen's National Bank 

50 " Citizens' National Bank . 

25 u City Fire Insurance Company 

30 " Phenix Fire Insurance Company 

50 " People's Fire Insurance Company 

10 " Stuyvesant Safe Deposit Company 

25 " Knickerbocker Fire Insurance Co. 

20 " Manhattan Life Insurance Co. 

16 " Howard Insurance Company . 

12 " N. Y. Bowery Insurance Company 

30 " Stuyvesant Insurance Company 

25 " Peter Cooper Insurance Company 

60 " Citizens' Insurance Company . 

Citizens' Insurance Company scrip . 

50 shares Manhattan Fire Insurance Co. 

5 " American Exchange Insurance C 

50 " German ia Hank 

260 " North River Fire Insurance Co. 

36 " Niagara Fire Insurance Company 



41 



$81,000 00 $84,750 00 



Market value. 

$2,200 00 

1,575 00 

3,750 00 

2,200 00 

1,575 00 

2,187 00 

1,875 00 

2,600 00 

1,000 00 

667 0° 

4,500 00 

912 00 

600 00 

900 00 

1,000 00 

2,100 00 

600 00 

5,250 00 

550 00 

5,000 00 

7,000 00 

2,880 00 



Loaned thereon. 

[■ $3,000 00 

I 5,000 00 

1,000 00 

I 5,000 00 

5,000 00 

4,000 00 



2,500 00 
450 00 
3,000 00 
4,000 00 
1,800 00 



,921 00 $31,750 00 



322 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) . 
Prem's more than three months due, $1,614 28 
Gross assets . . . 



1110,350 00 

177,660 00 

2,539 60 

84,750 00 

34,750 00 

136 73 

6,525 04 

1,259 13 

1,805 66 



$419,776 16 



Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . . . 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$4,358 98 

4,358 02 

42,786 50 



Surplus over capital 

Income. 

Cash received for fire premiums . . . $92,727 38 
Deduct re-insurance and return premiums . 7,721 20 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents 



51,503 50 

$368,272 66 
200,000 00 

$168,272 66 



$85,006 18 

12,812 52 

7,652 18 

3,435 67 



Gross cash income $108,906 55 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 
Net cash paid for fire losses .... 
Cash dividends paid . . . . . 
paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . . 

for incidentals .... 

Gross cash expenditures .... 



,108 39 
1,047 29 



$43,061 10 

40,000 00 

12,605 89 

16,250 38 

6,647 57 

8,592 01 

$127,156 95 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$268,700 00 
190,800 00 
168,800 00 



1880.] 



INS. COS. OF OTHER STATES. 



323 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$13,6S7,227 00 $71,182 69 
17,542,917 00 94,564 92 



Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$31,230,144 00 $165,747 61 
15,803,8.99 00 80,311 95 



.5,426,245 00 
248,081 00 



55,435 66 
1,289 04 



$15,17S,164 00 $84,146 62 



Miscellaneous. 
Premiums received from organization of company- 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (20 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . . . . 



$2,236,539 62 

840,656 42 

804,000 00 

40,000 00 

40,994 14 

55,800 00 



$100,000 00 $102,550 00 
1,000 00 1,500 00 



SECURITY INSURANCE COMPANY, NEW HAVEN, CONN. 

[Incorporated 1841. Commenced business April, 1841.] 

Paid-up Capital, $200,000. 

Charles Peterson, President. Herbert Mason, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds .... 
Tradesmen's Nat'l Bank stock, New Haven 
Second National Bank stock, New Haven 
Merchants' National Bank stock, New Haven 
New Haven County National Bank stock 
Yale National Bank stock, New Haven . 
New Haven National Bank stock . 
American Exchange Nat'l Bank stock, N.Y. 
Commerce National Bank stock, New York 
New York, N. H., and H. R.R. Co. stock 
Shore Line Railroad Company stock 
Chicago and Alton Railroad Company bonds 
New Haven and Northampton Railroad bonds, 



11,200 00 
10,000 00 

6,000 00 
10,000 00 

7,900 00 
10,000 00 

5,000 00 
23,100 00 

6,100 00 
16,500 00 
15,000 00 



16,800 00 
11,000 00 

7,800 00 
11,400 00 
12,482 00 
12,400 00 

7,150 00 
39,270 00 

8,235 00 
17,325 00 
16,050 00 



$221,800 00 $263,962 00 
Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens *), $13,700 00 



Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 



58 75 
263,902 00 



* Value of lands mortgaged ■ 
Value of building! thereon 

Amount of insurance beld an collateral 



i00 00 
12,000 00 

12.U00 Ou 



324 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Gross assets .... 



Liabilities. 
Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses 

Unearned premiums on outstanding risks 

Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital . . . . . 



$40 47 

6,902 08 

413 50 

33,127 31 

1,559 30 



110,107 83 

11,318 96 

30 00 

$21,456 79 
3,465 90 

$17,990 89 

75,426 89 

3,460 05 



Surplus over capital . . . .... 

Income. 

Cash received for fire premiums . . . $127,814 38 

Deduct re-insurance and return premiums . 8,314 48 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums . $124,954 84 

Deduct re-insurance and return premiums . 6,586 80 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes rec'd during the year . $1,318 30 

Interest received on bonds and mortgages . . . 
and dividends received from all other sources . 



$310,763 41 



96,877 83 

$222,885 58 
200,000 00 

$22,885 58 



$119,499 90 



118,368 04 

890 00 
14,910 34 



Gross cash income $253,668 28 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 



$128,754 58 
1,605 79 

$84,793 68 
7,123 38 



$127,148 79 



77,670 30 

43,318 85 

24,591 23 

1,983 18 



Gross cash expenditures 



. $274,712, 35 



1880.] 



INS. COS. OF OTHER STATES. 



325 



Eisks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 

Marine risks outstanding Dec. 31, 1879 
written during 1880 

Total . . . . 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 



$14,270,403 00 
13,927,788 00 

$28,198,191 00 
16,145,450 00 

$12,052,741 00 
652,997 00 

$11,399,744 00 $132,434 90 



Premiums. 

$160,851 16 
141,703 63 

$302,554 79 
162,413 84 



$140,140 95 
7,706 05 



$706,203 00 

26,656,058 00 

$27,362,261 00 

26,406,833 00 

$955,428 00 

35,976 00 



$13,482 72 
122,772 19 



$136,254 91 
119,022 11 

$17,232 80 
870 89 



$919,452 00 $16,361 91 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$2,719,097 70 

1,952,264 28 

272,281 00 

127,148 79 

77,670 30 

30,350 00 



STANDARD FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated March 26, 1859. Commenced business March 29, 1859.] 
Paid-up Capital, $200,000. 
William M. St. John, President. Robert II. Myers, Secretary. 

Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $15,469 13 

Loans on mortgage of real estate (first liens*), 35,000 00 

Interest due or accrued thereon . . . 188 56 

United States bonds 360,000 00 

Cash in the office of the company . . . 732 91 

deposited in bank 12,795 29 

Interest due and accrued .... 3,085 50 

Premiums in course of collection (gross) . 9,465 18 

Gross assets f . . . . . . 



8436,786 60 



* Value of lands mortgaged $35, 100 

Value of bnlldlngt tbereon 89,600 00 

Amount of Insurance held ae collateral . . . 85,000 00 

f Including $78,000 special reserve fund, beld under New Fork i.i« 



326 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses adjusted unpaid ..... $1,157 95 

claimed and reported .... 2,705 50 

disputed or resisted .... 781 75 

Unearned premiums on outstanding risks . 53,306 24 

Due and accrued for rents, salaries, etc. . . 925 00 

State and local taxes ..... 300 00 

Commissions and brokerage .... 1,490 36 

Return premiums . . • . . . . 926 03 

Gross liabilities, except capital 

Surplus as regards policy-holder 
Paid-up capital .... 

Surplus over capital . 

Income 

Cash received for fire premiums . . . $106,943 69 
Deduct re-insurance and return premiums . 6,304 84 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages . 

and dividends received from all other sources . 
Income from rents ......... 



$61,592 83 

$375,143 77 
200,000 00 

$175,143 77 



Gross cash income 



$100,638 85 

2,829 66 

14,699 27 

986 00 

$119,153 78 



Expenditures. 
Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employe's 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



552,951 75 
1,833 43 



$51,118 32 
24,920 00 
15,750 80 
14,175 34 
2,533 60 
10,266 33 

$118,764 39 



Risks and Premiums. 



Fire risks outstanding Dec 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$12,890,898 00 $90,761 72 
16,996,347 00 113,732 62 



$29,887,245 00 $204,494 34 
15,404,114 00 93,957 52 



$14,483,131 00 $110,536 82 
1,155,157 00 4,019 22 



$13,327,974 00 $106,517 60 



1880.] 



INS. COS. OF OTHER STATES. 



327 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year .... 

Fire losses incurred during the year . . 
Company's stock owned by directors . . . . 



$2,315,544 97 

1,328,126 94 

458,100 00 

24,920 00 

42,874 01 

54,500 00 



STAR FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Dec. 2, 1864. Commenced business Dec. 2, 1864.] 

Paid-up Capital, $500,000. 

Nicholas C. Miller, President. James M. Hodges, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

. $100,000 00 $104,000 00 

. 405,000 00 422,100 00 

5,000 00 5,050 00 

1,875 00 1,687 50 



District of Columbia bonds . 

United States bonds 

50 shares Nassau Bank . 

25 " German- American Bank 



$511,875 00 $532,837 50 



Securities held as collateral for cash loans: — 



11 shares Shoe and Leather Bank . 
50 " North River Bank . 

6 " Park Fire Insurance Company 
Richmond county bonds . . . 

Hoboken bounty bonds . 
60 shares American Insurance Company 
10 " Importers' and Traders' Company 
20 " Citizens' Company . 
Citizens' Insurance Company scrip . 
20 shares Rutgers Fire Insurance Company 
60 " Central Railroad of New Jersey 
Central Railroad of New Jersey bonds . 
14 shares New York and New Haven R.R. 

5 " New Jersey R.R. and Transp't'n Co 
45 " German- American Bank . 
22 " Washington Life Insurance Co. 
Central Pacific Railroad bonds 
10 shares Manuf. and Builders' Ens. Company 
10 " German- American Insurance Co. 
10 " American Exchange Hank 
26 " New York City Insurance Company 
20 " City Fire Insurance Company . 
United States bonds . . . • . 



Market value. 

$1,320 00 

1,350 00 

660 00 

525 00 

525 00 

3,000 00 

475 00 

820 00 

200 00 

795 00 

4,800 00 

3,720 00 

2,478 00 

750 00 

3,038 00 

1,210 00 

2,360 00 

1,400 00 

1,650 00 

050 00 

1,820 00 

1,750 00 

2,000 00 



Loaned thereon. 

$1,100 00 
\ 1,800 00 

800 00 



1 

I 

[ 5,500 00 

i 

I 
J 



)■ 12,200 00 



J 



1,000 00 
1,500 00 
1,000 00 
1,250 00 

2,000 00 

600 00 

2,(H)() 00 



$38,406 00 $30,750 00 



328 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 
deposited in North River Bank 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 

Gross assets 

Deduct special deposits in other states . 



Balance . . . . . ...... $797,199 71 



$45,500 00 

153,075 00 

3,465 46 

532,837 50 

30,750 00 

21,155 14 

11,223 40 

438 26 

62,637 45 

3,317 50 



$864,399 71 
67,200 00 



Liabilities. 

Losses adjusted unpaid . . 
claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance ..... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Due and accrued for rents, salaries, etc. . 
State and local taxes .... 
Commissions and brokerage . 
Return premiums . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds and mortgages 

and dividends received from all other 

Income from rents 

Received for increased capital 

Gross cash income .... 



$29,182 85 

15,369 05 

1,800 00 



$46,351 90 
5,143 73 



$41,208 17 

202,217 19 

2,500 00 

866 62 

9,730 90 

73 79 

£256,596 67 
9,252 28 



247,344 39 

$549,855 32 
500,000 00 

$49,855 32 



$438,778 72 
50,280 74 



sources 



$200,000 00 



$388,497 98 

8,476 63 

22,424 52 

2,266 95 

$421,666 08 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$210,000 00 
181,500 00 
149,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



329 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 



Gross cash expenditures . 



$178,080 18 
4,594 96 



$173,485 22 

40,000 00 

11,337 73 

28,261 86 

6,819 20 

121,193 54 

$381,097 55 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$33,130,708 00 $246,778 72 
55,377,508 00 476,445 69 



,508,216 00 $723,224 41 
42,050,296 00 324,513 70 



$46,457,920 00 $398,710 71 
1,307,608 00 14,386 92 



$45,150,312 00 $384,323 79 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (8 per cent) 
Fire losses incurred during the year . 
Company's stock owned by directors . • 



$2,739,643 77 

1,436,454 83 

345,791 77 

40,000 00 

182,807 45 

112,000 00 



STERLING FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated January, 1864. Commenced buHincss January, 1864.] 

Paid-up Capital, $200,000. 

Andrew L. Soulard, PresH, John K. Van Rensselaer, Sec y y. 



Summary of Assets Dec. 31, 1880. 

United States bonds $268,358 75 

Cash in the office of the company . . . 1,216 70 

deposited in bank 1,144 91 

Premiums in course of collection (gross) i. 5,232 73 
Prem's more than three months due, $254 68 

Gross assets $275,053 09 

VI 



330 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Due and accrued for rent and incidentals 
Commissions and brokerage . 
Return premiums ..... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



,453 48 
3,245 00 

$13,698 48 
2,000 00 

$11,698 48 

37,672 79 

1,583 34 

458 33 

15 23 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash received for marine and inland premiums 

Interest and dividends received from all sources 



$51,428 17 

$224,524 92 
200,000 00 

$24,524 92 



$94,113 10 
13,345 11 



$80,767 99 

1,366 25 

10,960 85 



Gross cash income . . . . .... $93,095 09 



Expenditures. 

Cash paid for fire losses $50,725 27 

Deduct salvage and re-insurance . . . 1,435 08 

Net cash paid for fire losses . 
Cash paid for marine and inland losses 
dividends paid 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



,290 19 

440 50 

14,000 00 

5,804 34 

15,100 00 

1,751 97 

20,298 32 

$106,685 32 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

511,560,122 00 $62,805 18 
15,559,291 00 81,378 99 



^27,119,413 00 $144,184 17 
14,147,251 00 65,406 54 



2,972,162 00 $78,777 63 
288,490 00 1,969 86 



[2,083,072 00 $70,807 77 



1880.] 



INS. COS OF OTHER STATES. 



381 



Marine risks outstanding Dec. 31, 18/9 . 
written during 18S0 . 

Total . 

Deduct risks expired and terminated 

In force at end of year .... 



$36,250 00 
41,000 00 

$77,250 00 
43,750 00 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (7 per cent) . 
Fire losses incurred during the year . . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$1,223 65 
1,306 25 

$2,589 90 
1,373 65 



$33,500 00 $1,216 25 



,026,339 00 

437,199 22 

261,000 00 

14.000 00 

54,062 16 

640 50 

61,300 00 



ST. PAUL FIRE AND MARINE INSURANCE COMPANY, 

ST. PAUL, MINN. 

[Incorporated May, 1865. Commenced business May, 1865.] 

Paid-up Capital, $400,000. 

C. H. Bigelow, President. C. A. Eaton, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $50,000 00 $56,500 00 

270 shares First National Bank, St. Paul . 27,000 00 37,800 00 

240 " Merchants' National B'k, St. Paul, 24,000 00 30,000 00 

30 " First National Bank, St. Peter . 3,000 00 3,450 00 

St Paul and Sioux City R. R. Co. stock . . 4,788 75 3,273 75 

Chicago, St. P , M., and O. R.R. Co. bonds . 10,000 00 10,500 00 

300 shares St. Paul Warehouse and Elevator . 15,000 00 15,000 00 

St. Paul Warehouse and Elevator bonds . . 10,000 00 10,000 00 

Minneapolis city bonds 1,500 00 1,650 00 

Stillwater city bonds 10,000 00 11,000 00 

Mankato city bonds 8,500 00 8,500 00 

Detroit town bonds 4,888 00 5,376 80 

Vernon Centre town bonds .... 7,500 00 7,500 00 

Jo Davies town bonds 5,500 00 5,500 00 

Elmore town bonds 6,500 00 6,500 00 

Garden City town bonds 7,000 00 7,000 00 

Winnebago City town bonds .... 15,00000 15,00000 

Pilot Grove town bonds 5,000 00 5,0(0 00 

Oak wood town bonds 7,500 00 7,500 00 

Blue Earth City town bonds .... 86,00000 86,00000 

Pine county bonds 7,757 oo 8,582 70 

Rock county bonds 21,000 00 27,600 00 



332 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cass county bonds 

Ramsey county bonds . 

Aitken county bonds . 

Yellow Medicine county bonds 

Otter Tail (school district) county bonds 



Securities held as collateral for cash loans : • 

85 shares Second National Bank, St. Paul 

150 " Merchants' National B'k, St. Paul 

57£ " Savings Bank, St. Paul 

45 " First National Bank, Red Wing 

50 " Lumberman's Nl B'k, Stillwater 

15 " State Bank, Minneapolis 

1058 " St. PaulandS. C. R R. Co.'s land 

1943 " St. Paul Harvester Works . 

80 u St. Paul Manufacturing Company 

500 " Pioneer Press Company 

50 " Seymour, Sabin, & Co. Mfg. Corp 

100 " Stillwater Gas-Light Company 

125 " Rock County Farming Company 



Par value. 

$7,400 00 
1,000 00 
3,200 00 
3,100 38 
1,000 00 



MarKet value. 

$8,140 00 
1,100 00 
3,520 00 
3,100 38 
1,000 00 



-1306,131 13 $336,043 63 



Cass county bonds . 
Aitken county bonds 



Summary of Assets Dec. 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loaus on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) . 
Notes taken for marine and inland risks . 
Rents due and accrued .... 
Gross assets f . . 



Market value. 

$13,600 00 

18,750 00 

5,750 00 

5,625 00 

6,250 00 

1,500 00 

63,480 00 

72,862 50 

4,000 00 

20,000 00 

2,500 00 

2,500 00 

12,500 00 

3,300 00 

1,100 00 



Loaned thereon. 

$11,000 00 

15,000 00 

4,600 00 

3,535 00 

5,000 00 

1,243 02 

47,700 00 

59,450 00 

1,512 00 

12,375 00 

1,004 00 

1,500 00 

8,611 44 

2,700 00 

900 00 



$233,717 50 $176,190 46 


31, 18S0. 


$101,654 21 


80,643 55 


2,451 44 


336,043 63 


176,190 46 


2,270 96 


96,647 18 


12,958 81 


40,208 43 


4,609 04 


620 00 


«951 O07 71 



* Value of lands mortgaged $81,700 00 

Value of buildings thereon 90,000 00 

Amount of insurance held as collateral . . 71,350 00 

f The company holds, also, instalment premium notes to the amount of $196,034, which 
do not enter into nor form any part of the assets of the company, as no portion of them is 
earned. Whatever value might be attached to them would necessarily be counterbalanced 
by the addition of an exactly equal amount to the re insurance liability, the entire sum con- 
sisting of " unearned premiums." 



1880.] 



INS. COS. OF OTHER STATES. 



333 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital $158,474 81 



$36,351 60 
4,018 00 

250,165 25 
5,288 05 



$295,822 90 

$558,474 81 
400,000 00 



Income. 

Cash received for fire premiums . . . $464,003 63 
Deduct re-insurance and return premiums . 62,511 95 

Net cash received for fire premiums . . 

Cash received for inland premiums . . . $124,777 57 
Deduct re-insurance and return premiums . 22,262 39 

Net cash received for inland premiums . . 

Unpaid premium notes received during the year, $4,609 04 
Interest received on bonds and mortgages . . . . 

and dividends received from all other sources . 
Income from rents 



$401,491 68 



102,515 18 

5,612 10 

41,073 73 

6,473 01 

Gross cash income . $557,165 70 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for inland losses 

Deduct salvage and re-insurance 

Net cash paid for inland losses 

Cash dividends paid 

paid for commissions and brokerage 

for salaries of officers and employe's 
for state and local taxes . 
for incidentals 



Gross cash expenditures . 

Risks and Premiums. 



$315,103 67 
34,371 21 

$117,131 34 
27,039 73 



$280,732 46 



90,091 61 
40,000 00 
79,751 66 
28,024 75 
11,056 65 
24,887 50 

$554,544 63 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiutrifl. 

$38,652,159 00 $193,000 73 
S 1,581,219 00 456,242 06 



873,233,378 00 $949,242 79 
83,642,985 00 44(5,2!).-) 70 



839,590,893 00 $502,917 09 
1,018,911 00 18,549 07 



$38,571,449 00 $481,398 02 



334 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Inland risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 



Premiums. 

. $295,983 00 $8,285 81 
25,375,189 00 123,006 20 



$25,671,172 00 $131,292 01 
25,526,072 00 127,887 01 



In force at end of year . 

Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Inland losses incurred during the year . 
Company's stock owned by directors . 



$145,100 00 $3,405 00 



54,815,231 63 

3,228,780 72 

486,696 47 

40,000 00 

274,916 60 

92,508 64 

208,600 00 



TRADE INSURANCE COMPANY, CAMDEN, N.J. 

[Incorporated March 21, 1872. Commenced business July 1, 1873.] 

Paid-up Capital, $200,000. 

David L. Taylor, President. Edmund May, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds, 4s $50,000 00 $50,750 00 

Camden and Atlantic Railroad bonds . . 1,000 00 1,130 00 

Camden Board of Education bonds . . 4,000 00 4,200 00 

Delaware Transportation Company stock . 1,850 00 1,850 00 

New Jersey Mining Company stock . . 1,300 00 845 00 

Camden city warrants ..... 372 11 372 11 

West Jersey and Atlantic Railroad bonds . 2.000 00 2,100 00 

Camden city bonds 500 00 525 00 

Camden Horse Railroad bonds . . . 2,000 00 2,100 00 



$63,022 11 $63,872 11 



Securities held as collateral for cash loans : — 

11 shares Eighth National B'k, Philadelphia, 
100 " West Jersey Railroad . 
200 " Camden Trust Company 
35 " Camden Trust Company 
40 " Pennsylvania Railroad Company 
69 " Millville National Bank . 
Philadelphia city bonds .... 
10 shares Millville National Bank . 
10 " Camden Trust Company 
175 u American Dredging Company 
Camden and Atlantic Railroad bond 



Market value. 

$1,540 00 

3,750 00 

5,000 00 

875 00 

2,500 00 

5,175 00. 

1,180 00 

750 00 

250 00 

10,500 00 

1,130 00 



Loaned thereon. 

$1,100 00 
3,000 00 
4,000 00 

- 6,098 00 

1,000 00 

■ 500 00 

5,750 00 
1,000 00 



$32,650 00 $22,448 00 



1880.] 



INS. COS. OF OTHER STATES. 



335 



Summary of Assets Dec. 31, 1880. 

$16,050 00 

100,483 33 

3,135 49 

63,872 11 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule . 



Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Salvage claims ..... 

Gross assets ..... 



22,448 00 

453 95 

8,214 51 

903 75 

12,144 95 

6,955 5Q 

2,450 00 



$237,111 65 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Reclaim able on perpetual fire policies 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. 
Commissions and brokerage . 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 



$347 23 

1,000 00 

2,500 00 

21,899 28 

1,098 90 

92 00 

500 00 

1,995 73 



29,433 14 



$207,678 51 
200,000 00 



',678 51 



Income. 

Cash received for fire premiums . . . $39,007 28 
Deduct re-insurance and return premiums . 1,561 11 

Net cash received for fire premiums . . 

Cash received for marine and inland premiums, $17,807 82 
Deduct re-insurance and return premiums . 743 08 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the year, $6,955 56 
Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from policy fees ........ 

Deposits received for perpetual fire risks . . $285 50 

Gross cash income 



$37,446 17 



17,064 74 

5,475 00 

3,782 20 

2 00 



$63,770 11 



* Value of lande mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



£'.111,100 00 

162,400 00 

si', you uu 



336 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 
Deposits returned on perpetual fire risks 

Gross cash expenditures . 



$34,830 29 
1,455 05 

$12,738 26 
169 17 



1285 75 



,375 24 



12,569 


09 


340 00 


7,304 


62 


4,468 


33 


721 


63 


3,061 


31 



$61,840 2: 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . ... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



£2, 672,197 00 
3,640,202 00 

^6,312,399 00 
3,294,551 00 

^3,017,848 00 
99,147 00 



Premiums. 

$30,295 76 
39,530 70 

$69,826 46 
40,029 78 

$29,796 68 
999 69 



$2,918,701 00 $28,796 99 



$133,837 00 
572,450 00 

$706,287 00 
566,301 00 

$139,986 00 
6,800 00 

$133,186 00 



$5,443 19 
17,684 67 

$23,127 86 
15,694 96 

$7,432 90 
492 00 

$6,940 90 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$678,857 51 
475,660 17 
66,310 00 
32,911 54 
13,418 84 
82,700 00 



1880.] 



INS. COS. OF OTHER STATES. 



337 



TRADERS' INSURANCE COMPANY, CHICAGO, ILL. 

[Incorporated February, 1865. Re-organized May, 1872.] 

Paid-up Capital, $500,000. 

Charles Comstock, President. R, J. Smith, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

1467,000 00 $525,375 00 
43,000 00 48,635 00 



United States bonds .... 

Cook county bonds 

Evanston water bonds , . . . 
Chicago city bonds ..... 
Chicago and North- Western Railroad bonds 
Chicago City Railroad stock . 
Chicago, Milwaukee, and St. Paul R.R. bonds, 
Lincoln Park bonds 



20,000 00 
13,000 00 
50,000 00 
40,000 00 
50,000 00 
10,000 00 



22,000 00 
15,380 00 
64,000 00 
94,000 00 
60,500 00 
10,725 00 



$693,000 00 $840,615 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in bank . 
Interest due and accrued 
Premiums in course of collection (gross) 
Gross assets .... 



Liabilities. 
Losses adjusted unpaid . ... 
claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance .... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
State and local taxes 
Commissions and brokerage 
Miscellaneous • 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 

Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash \<>,<:<',\v<>A for fire premiums 
4:; 



$12,195 98 

840,615 00 

1,868 43 

56,584 08 

501 66 

30,248 01 



$12,699 16 
10,534 80 
15,501 54 

$38,735 50 
500 00 

$38,235 50 

161,760 17 

3,500 00 

5,148 17 

12,312 12 



$942,013 16 



220,955 96 

$721,057 20 
500,000 00 

$221,057 20 



$391,907 38 
59,779 01 



$332,128 37 



338 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash rec'd for marine and inland premiums . 
Deduct re-insurance and return premiums 
Net cash rec'd for marine and inl'd premiums, 
Interest and dividends received from all sources 
Income from commissions, etc. 



[1,602 85 
1,538 60 



$10,064 25 
38,736 76 
26,268 32 



Gross cash income $407,197 70 



Expenditures. 
Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
dividends paid 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



1213,091 05 
10,910 86 



202,180 19 
3,261 89 
45,000 00 
61,010 47 
24,295 16 
7,676 47 
20,674 05 

$364,098 23 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$18,577,486 00 $281,124 21 
31,740,194 00 391,907 38 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks written during 1880 . 
Deduct risks expired and terminated 



$50,317,680 00 $673,031 59 
27,834,822 00 341,831 93 



$22,482,858 00 $331,199 66 
867,519 00 12,081 40 



$21,615,339 00 $319,118 26 



53,411,272 00 
3,411,272 00 



$11,602 85 
11,602 85 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (9 per cent) 
Fire losses incurred during the year . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . ... 



12,977,390 12 

1,648,218 02 

422,500 00 

45,000 00 

193,684 32 

3,844 00 

107,700 00 



1880.] 



INS. COS. OF OTHER STATES, 



339 



TRADESMEN'S FIRE INSURANCE COMPANY, 
NEW YORK, N.Y. 

[Incorporated Oct. 6, 1858. Commenced business Dec. 28, 1858.] 

Paid-up Capital, $300,000. 

D. B. Keeler, President. T. Y. Brown, Secretary. 



Detailed Statement of Stocks, 

Mechanics' and Traders' National Bank stock, 
National Bank of Commerce stock 
American Exchange National Bank stock 
Bank of America stock ..... 
New York Cent, and Hudson Riv. R.R. stock, 
Harlem Railroad stock ..... 
United States bonds ..... 
Fourth National Bank stock .... 



Bonds, Etc. 

Par value. 

$5,750 00 
15,000 00 
15,000 00 
10,000 00 
30,000 00 
10,000 00 
275,000 00 
10,000 00 



Market value. 

$6,037 50 
22,050 00 
18,750 00 
14,000 00 
46,462 50 
19,000 00 
308,725 00 
12,000 00 



$370,750 00 $447,025 00 
Securities held as collateral for cash loans: — 

Market value. Loaned thereon. 

33 shares Mechanics' and Traders' Nat'l Bank, $866 25 } «q «i ^ no 

95 " Mechanics' Bank .... 3,443 75 f 



Summary of Assets Dec. 31, 1880. 

Loans on mortgage of real estate (first liens*), $57,500 00 

Interest due or accrued thereon 

Stocks, bonds, etc., as per schedule 

Loans on collateral security as per schedule 

Cash in the office of the company 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gr 
Rents due and accrued . 
Gross assets 



oss) 



1,155 00 

447,025 00 

3,813 00 

4,203 26 

2,150 85 

749 37 

27,711 60 

133 33 



$544,441 41 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 
disputed or resisted 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 



$12,975 58 

16,901 00 

5,000 00 

$34,876 58 
21 00 

$34,855 58 
121,456 41 



* Value of lands mortgaged 
Value of buildings thereon . 

Amount of inriuranco held an collateral 



$88,000 00 
88,600 00 

87,000 00 



340 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. 
State and local taxes 
Commissions and brokerage . 
Return premiums .... 
Gross liabilities, except capital 



Surplus as regards policy-holders 
Paid-up capital ..... 



$160 00 




250 00 




973 40 




3,623 00 




25 61 




. . — .1 


$161,344 00 



Surplus over capital . 



$383,097 41 
300,000 00 



,097 41 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash rec'd for marine and inland premiums . 

Deduct re-insurance and return premiums 

Net cash rec'd for marine and inl'd premiums, 

Interest received on bonds and mortgages 

and dividends received from all other sources 
Income from rents ..... 



$244,311 59 




29,455 00 






$214,856 59 




$2,672 07 




611 31 






2,060 76 




. 


3,941 25 


purees . 


27,891 25 




300 00 



Gross cash income $249,049 85 



Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
dividends paid 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 



$130,185 39 
10,735 41 



$119,449 98 
6,275 52 
30,000 00 
46,125 35 
25,875 00 
4,538 95 
16,809 48 



Gross cash expenditures $249,074 28 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$20,171,332 00 
30,551,493 00 

$50,722,825 00 
24,965,177 00 



Premiums. 

M 65,442 97 
263,897 79 

$429,340 76 
190,761 69 



$25,757,648 00 $238,579 07 
1,010,327 00 7,463 75 



$24,747,321 00 $231,115 32 



1880.] 



INS. COS. OF OTHER STATES. 



341 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 



Premiums. 

$141,500 00 $4,437 21 
120,300 00 3,205 00 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company . . . 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . . . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$261,800 00 $7,642 21 
171,800 00 4,857 21 



$90,000 00 $2,785 00 



$3,005,643 23 

1,806,733 86 

381,000 00 

30,000 00 

136,993 73 

8,531 88 

60,400 00 



UNION INSURANCE COMPANY, PHILADELPHIA, PENN. 

[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.] 

Paid-up Capital, $500,000. 

Richard S. Smith, President. John B. Craven, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Camden and Amboy R.R. coupon bonds, 6s . $11,200 00 $12,880 00 

Chesapeake and Delaware Canal reg. bonds, 6s, 14,610 00 13,002 90 

Schuylkill Navigation Co. registered bonds, 6s, 10,000 00 8,000 00 

Philadelphia and Erie R.R. coupon bonds, 6s, 10,000 00 10,175 00 

Pennsylvania Canal Co. coupon bonds, 6s . 15,000 00 14,700 00 

North Pennsylvania Railroad coupon bonds . 14,500 00 16,445 00 

Pittsburg water loan coupon bonds, 7s . . 10,000 00 12,300 00 

Philadelphia and Reading R.R. reg. bonds, 6s, 5,000 00 6,300 00 

Lehigh Valley Railroad registered bonds, 6s . 5,000 00 6,600 00 

American Steamship Co. coupon bonds, 6s . 5,000 00 5,550 00 

United States bonds 10,000 00 11,200 00 

Susquehanna Coal Company coupon bonds, 6s, 10,000 00 10,900 00 

Pittsburg Avenue bonds 33,900 00 37,290 00 

Baltimore, Ohio, and Parkersburg R.R. bonds, 25,000 00 27,500 00 

Steubenville and Indiana Railroad bonds . 10,000 00 10,600 00 

New Jersey Central Car Trust bonds . . 7,000 00 7,105 00 

Philadelphia and Reading Railroad bonds . 25,000 00 28,500 00 

New York and Pacific Car Trust bonds . . 21,000 00 24,720 00 

Colorado Car Trust bonds .... 20,00000 20/10000 

Pennsylvania Car Trust bonds . . . 10,000 00 10,100 00 

New York Car Trust bonds .... 60,00000 61,20000 

100 shares Little Schuylkill Railroad . . 5,000 00 5,750 00 

134 " Pensylvania Railroad . . . 6,700 00 8,978 00 

136 " North Pennsylvania Railroad . . 500 00 7,616 00 



342 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



48 shares Delaware Railroad 



106 

68 
88 
88 
20 
525 



Pennsylvania Canal Company 
Philadelphia National Bank . 
Farmers' and Mechanics' Nat'l B'k, 
Delaware Mutual Safety Ins. Co. . 
Philadelphia and So. Mail S.S. Co. 
Harrisburg, P., M. J., and Lan. R.R. 



Par value. 

$1,200 00 
5,300 00 
6,800 00 
8,800 00 
2,200 00 
5,000 00 

26,250 00 



Market value. 

$1,344 00 

954 00 

13,736 00 

11,088 00 

3,520 00 

200 00 

31,500 00 



$409,260 00 $440,153 90 



Securities held as collateral for cash loans : — 



Northern Central Railroad bonds . 

28 shares Conshohocken Stone Company 
130 
200 
2000 
100 
643 
10 



National Car Company 
Fidelity Insurance Company 
Colorado Central Imp. Company 
Catawissa preferred 
Pennsylvania Railroad . 
United Companies of New Jersey, 



Market value. Loaned thereon 

$5,000 00 

2,800 00 
13,000 00 
36,600 00 

1,600 00 



$3,600 00 
31,800 00 



Bonds and mortgages 



5,100 00 
42,277 25 

1,780 00 
16,800 00 



1,000 00 
3,200 00 

29,400 00 
950 00 

10,000 00 



$124,957 25 $79,950 00 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first lien's*), 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks . 
Gross assets 



$148,946 36 

35,500 00 

895 00 

440,153 90 

79,950 00 

6,033 72 

102,095 86 

4,494 84 

19,930 45 

33,797 22 



$871,797 35 



Liabilities. 

Losses adjusted unpaid ..... $11,169 91 

claimed and reported .... 45,838 00 

Unearned premiums on outstanding risks . 181,222 64 

Reclaimable on perpetual fire policies . . 28,830 24 

Dividends to stockholders unpaid . . . 2,141 47 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



$72,500 00 
47,500 00 



1880.] 



INS. COS. OF OTHER STATES. 



343 



State and local taxes .... 
Commissions and brokerage 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Cash rec'd for marine and inland premiums 

Deduct re-insurance and return premiums 

Net cash rec'd for marine and inl'd premiums 

Unpaid premium notes rec'd during the year 

Interest received on bonds and mortgages 

and dividends received from all other 
Income from rents ..... 
Deposits received for perpetual fire risks 

Gross cash income .... 

Expenditures. 

Cash paid for fire losses . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses 
Cash dividends paid .... 
paid for commissions and brokerage 
for salaries officers and employes 
for state and local taxes . 
for incidentals 
Deposits returned on perpetual fire risks 

Gross cash expenditures . 



$543 00 
150 00 



- $269,895 26 

. $601,902 09 
. 500,000 00 



$24S,624 18 

21,168 97 

$343,048 25 

108,374 23 

$33,797 22 

sources . 



$4,450 00 



$93,485 62 
3,355 01 



3,949 17 
52,963 24 



$1,530 50 



Risks and Premiums. 



. $101,902 09 



$227,455 21 

234,674 02 

895 00 

28,825 37 

505 82 

$492,355 42 



$90,130 61 

140,985 93 

29,806 54 

60,416 78 

44,2S8 99 

6,288 82 

1,591 34 

$373,509 01 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 
$9,325,547 00 $82,824 66 
26,948,376 00 218,624 18 



836,273,923 00 $331,448 84 
16,644,424 00 181,121 41 



19,629,499 00 8200,327 43 
813,721 00 12,084 17 



.8,78.0,778 00 8188,243 26 



344 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$1,269,900 00 
22,063,199 00 



23,333 099 00 
19,484,669 00 

$3,848,430 00 
1,056,240 00 



Premiums. 

$51,784 94 
343,048 25 

$394,833 19 
290,813 82 

$104,019 37 
24,549 72 



1,792,190 00 $79,469 65 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (6 per cent) 
Fire losses incurred during the year 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$14,425,171 00 
10,564,969 00 
1,732,599 00 
30,000 00 
103,703 58 
214,385 09 
80,520 00 



UNION INSURANCE COMPANY, SAN FRANCISCO, 

CALIFORNIA. 

[Incorporated April 28, 1865. Commenced business June 20, 1865.] 

Paid-up Capital, $750,000. 

Gustave Touchard, President. Charles D. Haven, Secretary. 



$200,000 00 $224,000 00 
120,000 00 90,000 00 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds .... 

Montgomery Avenue (San Francisco) bonds 

Oakland city bonds . . . . . 8,000 00 9,600 00 

Sonoma county bonds 8,000 00 8,600 00 

Stockton city bonds . . . . . 6,000 00 6,300 00 

Alameda town bonds ....". . . 10,000 00 11,000 00 



$352,000 00 $349,500 00 



Securities held as collateral for cash loans: — 
23 shares San Francisco Gas-Light Company . 



Market value. Loaned thereon. 

$1,713 50 $1,500 00 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $80,000 00 

Loans on mortgage of real estate (first liens*), 400,802 60 

Interest due or accrued thereon . . . 2,461 40 

Stocks, bonds, etc., as per schedule . . 349,500 00 

* Value of lands mortgaged $504,500 00 

Value of buildings thereon 371,500 00 

Amount of insurance held as collateral . . . 226,100 00 



1880.] 



INS. COS. OF OTHER STATES. 



345 



Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 

Gross assets .... 
Deduct special deposits in other states 



Balance 



$1,500 00 

1,627 80 

133,499 84 

8,300 55 

37,139 79 
5,206 00 



-$1,020,037 98 
56,000 00 



$964,037 98 



Liabilities. 
Losses claimed and reported . 
Unearned premiums on outstanding risks 
Unused balances of premium notes . 
Dividends to stockholders unpaid . 
Commissions and brokerage . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 



Surplus as regards policy-holders 
Paid-up capital 



$11,070 00 

90,131 24 

285 55 

110 00 

2,489 06 

$104,085 85 
13,394 35 



- 90,691 50 

. $873,346 48 
. 750,000 00 



Surplus over capital 



. $123,346 48 



Income. 

Cash received for fire premiums . . . $142,236 69 
Deduct re-insurance and return premiums . 16,236 95 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums . $115,780 50 
Deduct re-insurance and return premiums . 19,732 04 

Net cash rec'd for marine and inl'd premiums, 

Unpaid premium notes received during the year, $5,206 00 
Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents 



$125,999 74 



96,048 46 

38,314 30 

10,455 24 

7,870 00 



Gross cash income $278,687 74 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

44 



$28,172 34 
98 40 

$14,643 92 
4,526 09 



$28,073 94 



10.117 83 



346 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals . 

Gross cash expenditures . 



$112,390 00 

27,494 07 

35,478 21 

4,911 45 

23,099 79 

$241,565 29 



Risks and Pkemiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1S80 

Total . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$9,984,556 00 
13,631,563 00 



23,616,119 00 
11,292,871 00 

$12,323,248 00 
572,650 00 



Premiums. 

$122,872 85 
157,347 52 

$280,220 37 
130,370 50 

$149,849 87 
7,013 20 



.1,750,598 00 $142,836 67 



$821,486 00 
9,852,800 00 



,674,286 00 

9,802,959 00 

$871,327 00 

86,147 00 



$28,795 90 
114,579 90 

$143,375 80 
115,810 80 

$27,565 00 
3,000 00 



$785,180 00 $24,565 00 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (15 per cent) . 
Fire losses incurred during the year . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$5,438,029 59 

3,145,399 31 

1,710,000 00 

112,500 00 

26,143 94 

16,817 83 

227,700 00 



1880.] 



INS. COS. OF OTHER STATES. 



347 



UNITED FIREMEN'S INSURANCE COMPANY, PHILADEL- 
PHIA, PENN. 

[Incorporated April 1, 1860. Commenced business April, 2, 1861.] 
Paid-up Capital, $200,000. 
William S. Allen, President. William V. Sickel, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $100,000 00 $111,139 97 

Pittsburg city bonds 31,000 00 33,480 00 

Philadelphia city bonds 60,000 00 65,100 00 

Northern Central Railroad bonds . . . 10,000 00 11,362 50 

Railroad equipments bonds . . . . 20,000 00 . 20,000 00 



Summary of Assets Dec 
Cash value of unencumbered real estate 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Rents due and accrued . 
Furniture, maps, etc. . . . $2,500 00 
Prem's more than three months due, 11,178 19 
Gross assets ...... 

Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Due for borrowed money 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



$221,000 00 


$241,082 47 


31, 1880. 




$62,141 66 




308,380 09 




7,134 41 




241,082 47 




35 12 




8,980 04 




1,465 00 




35,504 27 




382 77 




1,352 54 






$666,458 37 



Surplus over capital 



$9,195 

9,214 

1,250 

85,220 

320,737 

20,000 



54 
22 
00 
97 

27 
00 



- 445,618 00 

. $220,840 37 
. 200,000 00 



$20,840 37 



Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 



$200,201 49 
15,441 15 



$184,820 34 



* Total value of property mort^a^fd . 
Amount of Insurance held as collateral 



1569,700 <>o 

276,100 no 



348 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on bonds and mortgages . 

and dividends received from all other sources . 
Income from rents ......... 

from surveys, etc. 

Deposits received for perpetual fire risks . $15,398 96 

Gross cash income 

Expenditures. 



Cash paid for fire losses .... 
dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for expenses on real estate 
for incidentals 
Deposits returned on perpetual fire risks 



Gross cash expenditures 



$14,437 82 



$17,754 48 
8,980 25 
2,679 13 
1,306 25 

^215,540 45 



$158,414 33 

24,000 00 

41,585 48 

8,671 40 

6,170 34 

4,584 57 

17,489 61 

$260,915 73 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 



Premiums. 

$12,376,776 00 $151,414 36 
12,910,812 00 171,479 88 



$25,287,588 00 $322,894 24 
11,609,939 00 152,028 04 



$13,677,649 00 $170,866 20 
333,704 00 3,423 05 



Net amount in force 



$13,343,945 00 $167,443 15 



Miscellaneous. 



Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (12 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . 



$597,913 82 
336,942 27 
128,505 86 

24,000 00 
160,672 09 

99,900 00 



UNITED STATES LLYODS, NEW YORK. 

[Incorporated 1873. Commenced business 1873.] 
Higgins & Cox, Attorneys for the Subscribers. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $50,000 00 $67,000 00 

New York city and county bonds . - . 100,000 00 132,000 00 



1880.] 



INS. COS. OF OTHER STATES. 



349 



Boston city bonds 

Atlantic Mutual Insurance Company scrip 



Securities held as collateral for cash loans : - 

225 shares Merchants' Nat'l Bank, Savannah, 
100 " Pullman Palace Car Company 
100 " Continental National Bank 
62 " St. Nicholas National Bank 
Denver and Rio Grande Railroad bonds 
Texas and Pacific Railroad bonds . 
Baltimore Gas-Light Company bonds 
San Francisco city and, county bonds 
Albemarle and Chesapeake Canal bonds 
United States bonds 
2 certificates of deposits . 



Par value. 

$50,000 00 
4,605 00 



Market value. 

$58,500 00 
4,605 00 



$204,605 00 $262,105 00 



Market value. 

$28,800 00 
32,396 00 

43,880 00 



Loaned thereon. 

$20,000 00 
25,000 00 

30,000 00 



75,320 00 60,000 00 



56,188 00 
60,000 00 



50,000 00 
60,000 00 



$296,584 00 $245,000 00 



Summary of Assets Dec. 31, 1880. 



Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash deposited in various banks 
Interest due and accrued 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Salvages and re-insurance 
Re-insurance premiums and rebates 
Gross assets .... 

Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Due and accrued for rents, salaries, etc. . 
Due for borrowed money 

Gross liabilities .... 



Surplus 



$262,105 00 

245,000 00 

37,967 22 

3,308 34 

50,910 17 

7,125 36 

36,377 08 

10,845 20 



$96,209 45 

53,752 28 

3,940 47 

8,095 74 



$653,638 37 



161,997 94 
$-191,640 43 



Income. 

Cash received for marine premiums . . $719,097 92 

Deduct re-insurance and return premiums . 199,442 67 

Net cash received for marine premiums . . 

Unpaid premium notes ree'd (luring the year . $7,125 36 
Interest and dividends received from all sources 

Gross cash income . 



$519,655 25 

55,209 35 
$574,864 60 



350 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Expenditures. 

Net cash paid for marine losses $318,507 88 

Cash paid for salaries of officers and employes . . . 80,934 57 
Reserve for estimated unpaid losses . . $68,892 65 



Gross cash expenditures . $399,442 45 



WATERTOWN FIRE INSURANCE COMPANY, ' 
WATERTOWN, N.Y. 

[Incorporated Dec. 7, 1867. Commenced business Dec. 9, 1867.] 

Paid-up Capital, $200,000. 

Willard Ives, President. Jesse M. Adams, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds . . . . . $276,000 00 $300,512 50 
Utica and Black River Railroad bonds . . 12,000 00 12,000 00 
Syracuse Northern Railroad bonds . . . 3,000 00 3,000 00 



$291,000 00 $315,512 50 



Securities held as collateral for cash loans: — 



Agricultural Insurance Company stock 
Bonds and mortgages . 
Agricultural Insurance Company stock 
Merchants' Bank stock . 
Agricultural Insurance Company stock 
Merchants' Bank stock . 
Northern Insurance Company stock 
Merchants' Bank stock . 
Agricultural Insurance Company stock 
Merchants' Bank stock . 
Northern Insurance Company stock 
Merchants' Bank stock . 
Bond and mortgage 
Agricultural Insurance Company stock 
Bonds and mortgages 



Market value. 

$17,500 00 

4,075 00 

74,217 00 

1,300 00 

875 00 
3,000 00 

400 00 
1,300 00 

875 00 
1,500 00 

400 00 
1,300 00 
1,000 00 
1,758 00 
1,350 00 



Loaned thereon. 

i $14,000 00 

43,757 75 
I 1,200 00 

I 2,500 00 

I 1,600 00 

I 1,500 00 

1,200 00 

[• 1,100 00 

1,123 15 



10,850 00 $67,980 90 



Summary of Assets Dec. 31, 1880. 

Cash value of unencumbered real estate . . $10,700 00 

Loans on mortgage of real estate (first liens*), 283,517 12 

Interest due or accrued thereon . . . 10,717 22 

Stocks, bonds, etc., as per schedule . . 315,512 50 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held ae collateral 



$443,150 00 
382,400 00 
189,S49 00 



1880.] 



INS. COS. OF OTHER STATES. 



351 



Loans on collateral security as per schedule 
Cash in the office of the company . 
deposited in Merchants' Bank 
Interest due and accrued 
Premiums in course of collection (net) . 
Notes taken for marine and inland risks . 

Gross assets . . . .- 
Deduct special deposits in other states . 



Balance 



$67,980 90 

7,370 69 

98,133 15 

3,184 17 

98,463 27 

12,859 24 



Liabilities. 
Losses adjusted unpaid .... 
claimed and reported . 
disputed or resisted 
Unearned premiums on outstanding risks 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital . . . . . 



$9,222 95 

23,000 27 

10,500 00 

536,564 84 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $831,646 05 
Deduct re-insurance and return premiums . 60,102 42 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents ......... 

Gross cash income ........ 

Expenditures. 

Cash paid for fire losses 

dividends paid ........ 

paid for commissions and brokerage .... 

for salaries of officers and employe's 

for state and local taxes . . .... 

for incidentals . . . .... 

Gross cash expenditures .... 

Risks and Premiums. 



$908,438 26 
45,000 00 

$863,438 26 



579,288 06 



$284,150 20 
200,000 00 

,150 20 



$771,513 63 

19,846 20 

13,048 63 

554 60 



$804,993 06 

$366,440 95 
20,000 00 
177,082 18 
42,370 00 
14,321 39 
49,292 84 

$069,507 36 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



,231,128 
85,584,957 



Premiums. 

00 $908,119 75 
00 836,990 31 



$185,816,085 
74,742,784 



00 $1,745,1 10 00 
00 656,642 87 



$111,07:5,301 
857,410 



00 $1,088, 167 19 
00 8,21:; 08 



$110,215,891 00$1,080,253 51 



352 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



53,956,834 67 

1,867,980 70 

240,000 00 

20,000 00 

371,514 17 

101,100 00 



WESTCHESTER FIRE INSURANCE COMPANY, NEW 
ROCHELLE, N.Y. 

[Incorporated as a "Mutual" March 14, 1837. Commenced business as "Joint-Stock" 

Jan. 1, 1870.] 

Paid-up Capital, $300,000. 

George R. Crawford, President. John Q. Underhill, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 
United States bonds .... 
Securities held as collateral for cash loans 



Par value. Market value. 

$500,000 00 $558,781 25 



Citizens' National Bank, New York 
Central National Bank, Westchester 
United States bond .... 



Market value. Loaned thereon. 

$4,000 00 $2,500 00 

2,340 00 1,783 50 

562 00 300 00 



$6,902 00 $4,583 50 



Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate . 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon 

Stocks, bonds, etc., as per schedule 

Loans on collateral security as per schedule 

Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Gross assets ..... 
Deduct special deposits in other states 



$65,000 00 

127,100 00 

2,708 50 

558,781 25 

4,583 50 

10,291 24 

31,963 26 

48,894 98 

1,400 00 



$850,722 73 
50,625 00 



Balance $800,097 73 

* Value of lands mortgaged $135,000 00 

Value of buildings thereon ...... 163,500 00 

Amount of insurance held as collateral . . . 126,350 00 



1880.] 



INS. COS. OF OTHER STATES. 



353 



Liabilities. 

Losses adjusted unpaid ..... $14,643 90 

claimed and reported .... 30,199 09 

disputed or resisted .... 6,700 00 

Unearned premiums on outstanding risks . 340,160 25 

Dividends to stockholders unpaid ... 42 60 

Commissions and brokerage .... 7,978 47 

Gross liabilities, except capital, . . $399,724 31 

Deduct liabilities on special deposits . . 46,741 27 



2,983 04 



Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital . 

Income. 

Cash received for fire premiums . . . $579,163 15 
Deduct re-insurance and return premiums . 59,048 38 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . , 
Income from rents 



$447,114 69 
300,000 00 

$147,114 69 



$520,114 77 

7,747 50 
26,646 67 

2,708 48 



Gross cash income $557,217 42 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid . 

paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals . 



Gross cash expenditures .... 

Risks and Premiums. 



$318,323 55 
2,694 64 



$315,628 91 
29,978 50 
99,295 06 
20,850 00 
17,171 92 
63,822 91 

. $546,747 30 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force. 



Premiums. 

$69,936,952 00 $676,022 81 
02,962,650 00 567,343 40 



132,899,602 00 $1,243,906 21 
59,415,176 00 576,302 02 



r 3,484,420 00 
803,203 00 



(567,571 19 
6,914 34 



$72,681,223 00 9660,659 85 



354 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company . 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent) . 
Fire losses incurred during the year . 
Company's stock owned by directors . 



^7,151,631 68 

3,990,526 89 

248,000 00 

30,000 00 

292,657 01 

148,000 00 



WILLIAMSBURGH CITY FIRE INSURANCE COMPANY, 

BROOKLYN, N.Y. 

[Incorporated March, 1853. Commenced business March, 1853.] 

Paid-up Capital, $250,000. 

Edmund Driggs, President. N. W. Meserole, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds .... 
Mechanics' and Traders' Bank, Greenpoint 
Grand Street and Newtown Railroad stock 
Nassau National Bank (Brooklyn) stock. 
Long Island Bank (Brooklyn) stock 
First National Bank (Brooklyn) stock 
People's Gas-Light Company (Brooklyn) stock 
Metropolitan Gas-Light Co. (Brooklyn) stock 
Citizens' Gas-Light Company (Brooklyn) stock 
Dry Dock, East Broadway, and B. R.R. stock 
Grand Street and Newtown Railroad bonds 
Georgia state bonds .... 

Broadway Railroad (Brooklyn) stock 
Broadway Railroad (Brooklyn) bonds 



Par value. 

$329,000 00 

8,000 00 

25,000 00 

1,000 00 

10,000 00 

4,900 00 

26,000 00 

5,000 00 

7,120 00 

20,000 00 

20,000 00 

50,000 00 

11,000 00 

3,000 00 



Market value. 

$342,472 50 

7,600 00 

21,250 00 

1,650 00 

10,000 00 

10,682 00 

9,100 00 

3,000 00 

4,272 00 

34,000 00 

20,000 00 

55,750 00 

16,500 00 

3,000 00 



$520,020 00 $539,276 50 



Securities held as collateral for cash loans : — 



Park Bank of New York stock 
Pacific Bank of New York stock 
Metropolitan Gas Company (Brooklyn) stock 
Imp. and Traders' Insurance Co. (N.Y.) stock 
JNew York City Insurance Company stock 
People's Gas-Light Company (Brooklyn) stock 
Pacific Fire Insurance Company (N.Y.) stock 
Grand St. and Newtown R.R. (Br'klyn) stock 
Manufacturers' National Bank (N.Y.) stock 
Broadway Railroad Company (Br'klyn) bond 
Union Ferry Company (Brooklyn) stock 
Mechanics' Fire Insurance Co. (B'klyn) stock 



Market value. Loaned thereon. 



$700 00 


$375 00 


4,200 00 ^ 




1,200 00 i 
, 490 00 J 


5,000 00 


490 00J 




, 350 00 


200 00 


, 2,260 00 


1,500 00 


, 2,465 00 


1,750 00 


2,709 00 


1,720 00 


, 1,000 00 


800 00 


900 00 


600 00 


3,400 00 


1,950 00 



1880.] 



INS. COS. OF OTHER STATES. 



355 



Market value. Loaned thereon. 



People's Gas-Light Company (Brooklyn) stock, 
Lafayette Fire Insurance Co. (Brooklyn) stock, 
Cypress Hills Cemetery bonds 
South Side Railroad Co. stock (Long Island) . 
Williams burgh Savings Bank books 



$175 00 
1,150 00 
9,000 00 
3,000 00 
5,300 00 



$1,000 00 

6,500 00 
2,728 00 
1,820 00 



Summary of Assets Dec 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon 
Stocks, bonds, etc., as per schedule . 
Loans on collateral security as per schedule 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued .... 
Prem's more than three months due, $345 50 

Gross assets . 
Deduct special deposits in other states . 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid . 
Due and accrued for rent, salaries, etc. 

for borrowed money 
State and local taxes 
Commissions and brokerage . 

Gross liabilities, except capital 
Deduct liabilities on special deposits 



Surplus as regards policy-holders 
Paid-up capital ..... 



$38,789 00 $25,943 00 

31, 1880. 

$95,421 54 

236,500 00 

5,157 72 

539,276 50 

25,943 00 

2,665 49 

52,520 11 

8,896 08 

44,368 74 

86 50 



-$1,010,835 68f 
36,000 00 



$974,835 68 



$18,238 68 

13,416 62 

5,662 00 

244,898 40 

215 00 

2,500 00 

15,000 00 

1,200 00 

6,989 18 

$308,119 88 
11,006 82 



Surplus over capital 



297,113 06 

$677,722 62 
250,000 00 

$427,722 62 



* Value of lands mortgaged $2i.v>. r >o 00 

Value of buildings thereon 246,600 00 

Amount of Insurance held as collateral . . . 208,800 00 

t Including $225,000 special reserve fundi 1h-i<i under New York \blvi 



356 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . . $446,267 47 
Deduct re-insurance and return premiums . 19,258 37 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

and dividends received from all other sources . 
Income from rents ......... 



$427,009 10 

11,908 61 

30,422 27 

2,748 81 



Gross cash income $472,088 79 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses . 
Cash dividends paid .... 
paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



Eisks and Premiums. 



$224,388 78 
3,412 56 



$220,976 22 
49,910 00 
96,708 18 
43,808 32 
3,351 25 
44,577 69 

$459,331 66 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$60,844,124 00 $424,104 75 
67,147,413 00 438,773 12 



$127,991,537 00 $862,877 87 
62,552,599 00 387,606 10 



$65,438,938 00 $475,271 77 
645,536 00 6,289 22 



$64,793,402 00 $468,982 55 



Miscellaneous. 

Premiums received from organization of company . . $6,421,001 82 
Losses paid from organization of company .... 3,374,669 30 
Cash dividends declared from organization of company . 702,500 00 
Dividends declared during the year (20 per cent) . . . 50,000 00 

Fire losses incurred during the year 217,957 43 

Company's stock owned by directors 78,800 00 



1880.] 



INS. COS. OF OTHER STATES. 



357 



AGGKEGATE. 



Capital Stock. 
Outstanding capital actually paid up in cash 



Gross present assets 



Assets. 



Liabilities. 
Gross present liabilities .... 

Income. 

Cash actually received for fire premiums 
for marine and inland premiums 
for interest and dividends from all sources 
from all other sources .... 

Gross cash income .... 

Expenditures. 
Cash actually paid during the year for fire losses 
for marine and inland losses 
for dividends to stockholders 
for redemption of scrip 
for interest to scrip-holders . 
for brokerage and commissions on premiums 
for salaries and pay of officers and employes 
for state and local taxes . . . . 
for office, agency, and incidental expenses . 

Gross cash expenditures . 



Miscellaneous. 
Whole amount of fire risks written during the year 
premiums charged or receivable thereon 
marine and inland risks written during the year 
premiums charged or receivable thereon 
fire risks terminated during the year 
marine and inland risks terminated . 
fire risks outstanding at end of year . 
marine and inland risks outstanding . 
notes received for marine and inland risks 
dividends declared .... 
fire losses incurred .... 
marine losses incurred 



,894,100 00 



$113,511,302 00 



$36,081,980 00 



$33,581,852 00 

10,921,675 00 

5,153,995 00 

494,142 00 



$50,151,664 00 



18,132,204 00 

7,770,364 00 

5,067,847 00 

1,289,722 00 

554,895 00 

6,415,916 00 

3,755,510 00 

1,046,014 00 

3,219,418 00 



$47,251,890 00 



$4,151,117,354 00 

37,007,540 00 

1,528,716,310 00 

13,178,411 00 

3,710,296,317 00 

1,472,280,533 00 

4,453,057,394 00 

227,775,051 00 

2,794,264 oo 



5,011,171 
18,252,747 



00 
00 



5,309,039 00 



UNITED STATES BRANCHES OF 

FOREIGN FIEE 
INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

Dec. 31, 1880. 



360 



UNITED STATES BRANCHES OF [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE BRITISH AMERICA 

ASSURANCE COMPANY TORONTO, CANADA. 

William A. Beattie, Manager New England Department. 

Office, 8 Exchange Place, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

$485,000 00 $564,628 75 
15,000 00 15,000 00 



United States bonds 

Deposit state of Mississippi 

Dominion government bonds . 

Canadian Bank of Commerce stock 

Dominion Bank stock 

Federal Bank stock 

Canada Permanent Loan and Sav'gs Co. stock 

Huron and Erie Sav'gs and Loan Soc'y stock 

Dominion Saving and Investment Co. stock , 



50,000 00 
24,000 00 
10,000 00 
4,200 00 
10,000 00 
25,000 00 
10,000 00 



53,000 00 
32,880 00 
14,250 00 
5,754 00 
19,500 00 
35,750 00 
12,000 00 



$633,200 00 $752,762 75 



Summary of Assets Dec. 31, 1880. 



Stocks and bonds as per schedule . 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks . 
Office furniture .... $3,087 50 

Gross assets ..... 
Deduct special deposits in other states 



Balance $520,255 85 



752,762 75 
30,134 74 
14,874 92 
10,283 34 
38,823 76 
708 84 



$847,588 35 
327,332 50 



Liabilities. 

Losses claimed and reported .... $46,622 45 

disputed or resisted .... 5,000 00 

Unearned premiums on outstanding risks . 292,964 20 

Commissions and brokerage .... 8,044 91 

Gross liabilities $352,631 56 

Deduct liabilities on special deposits . . 60,832 50 



291,799 06 



Surplus $228,456 79 



1880.] FOREIGN" FIRE INSURANCE COS. 



361 



Income. 

Cash received for fire premiums . . . $626,201 37 

Deduct re-insurance and return premiums . 80,391 54 

Net cash received for fire premiums . . $545,812 83 

Cash rec'd for marine and inland premiums . $15,166 65 

Deduct re-insurance and return premiums . 1,037 78 

Net cash rec'd for marine and inl'd premiums, 14,128 87 

Unpaid premium notes received during the year, $1,029 74 

Interest and dividends received from all sources . . . 29,339 03 



Gross cash income . . $589,280 73 



Expenditures. 

Cash paid for fire losses . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



Risks and Premiums. 



$408,664 98 
15,039 99 

$16,228 11 
1,582 71 



$393,624 99 



14,645 40 
104,812 32 
12,256 00 
12,283 76 
37,970 89 

$575,593 36 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 

Marine risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
46 



Premiums. 

$46,620,788 00 $520,029 09 
60,591,732 00 626,204 37 



$107,212,520 00! 
55,406,480 00 

$51,806,040 00 
1,023,915 00 



1,146,233 46 
564,661 56 

$581,571 90 
12,873 24 



$50,782,125 00 $568,698 66 



$214,750 00 
2,646,074 00 



$3,805 44 
15,166 65 



52,860,824 00 $18,972 09 
2,540,674 00 13,295 77 



$320,150 00 $5,670 32 



362 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE COMMERCIAL UNION 
ASSURANCE COMPANY, LONDON, ENG. 
Alfred Pell, Resident Manager. 
Office, No. 87 Wall Street, New York. 

Summary of Assets Dec. 31, 1880. 



United States bonds 

Cash in the office of the company 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Notes taken for fire risks 

Gross assets 
Deduct special deposits in other states 



Balance 



Liabilities. 

Losses adjusted unpaid .... 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities .... 

Deduct liabilities on special deposits 



$1,360,732 00 
819 23 
267,857 03 
3,426 00 
243,735 12 
8,760 00 



$1,885,329 38 
. 263,200 00 

$1,622,129 38 



$2,853 85 
95,560 72 
14,987 26 
830,902 02 
36,560 26 

$980,864 11 
52,677 10 



928,187 01 



Surplus $693,942 37 



Income. 

Cash received for fire premiums . . $1,652,043 46 
Deduct re-insurance and return premiums . 357,248 61 

Net cash received for fire premiums . . <i 

Interest and dividends received from all sources . 



Gross cash income 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



,294,794 85 
57,413 34 



,352,208 19 



$715,714 68 
11,996 63 



$703,718 05 

190,865 21 

74,342 51 

25,206 23 

84,341 71 



$1,078,473 71 



1880.] FOREIGN FIRE INSURANCE COS. 



363 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

1161,955,598 00 $1,499,001 44 
198,474,442 00 1,652,043 46 



Total . . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$360,431,040 00 13,151,044 90 
182,536,246 00 1,561,464 20 



$177,894,794 00 $1,589,580 70 
6,222,541 00 53,149 12 



$171,672,253 00 $1,536,431 58 



UNITED STATES BRANCH OF LA CONFIANCE FIRE IN- 
SURANCE COMPANY, PARIS, FRANCE. 

Monrose & Mulville, General Agents, 155 Broadway, New York. 
Summary of Assets Dec. 31, 1880. 



United States bonds . . . . 


. $580,332 50 


Cash deposited in various banks 


85,667 12 


Premiums in course of collection (gross) . 


62,440 89 


Re-insurance due ..... 


17 86 


Gross assets 

Deduct special deposits in other states 




. 







Liabilities. 
Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. 
Commissions and brokerage . 

Gross liabilities 
Deduct liabilities on special deposits 



Surplus 



Income 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 



$13,388 00 

51,228 92 

1,250 00 

$65,866 92 
8,456 63 

$57,410 29 

285,206 80 

313 70 

12,150 05 

$355,0S0 84 
23,941 00 



$728,458 37 
168,375 00 

$560,083 37 



331,139 84 

$228,943 53 



$675,503 70 
124,934 88 



$550,569 37 
20,680 00 



Gross cash income $571,249 37 



364 UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for fire losses . . . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . . 



$327,045 47 
13,267 11 



Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$16,686,123 00 
61,652,501 00 

$78,338,624 00 
32,814,006 00 

$45,524,618 00 
2,622,707 00 



$313,778 36 

137,832 94 

8,089 19 

4,787 94 

$464,488 43 



Premiums. 

$207,781 84 
675,503 70 

$883,285 54 
328,641 24 

$554,644 30 
28,639 27 



$42,901,911 00 $526,005 03 



UNITED STATES BRANCH OF THE GUARDIAN FIRE AND 
LIFE ASSURANCE COMPANY, LONDON, ENG. 

H. E. Bowers, Manager. 

Office, No. 54 William Street, New York. 

Summary of Assets Dec. 31, 1880. 



United States bonds . . . . 
Cash deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 

Gross assets .... 
Deduct special deposits in other states 



Balance 



Liabilities 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. 
State and local taxes 
Commissions and brokerage 
Return premiums .... 

Gross liabilities 
Deduct liabilities on special deposits 



$777,381 25 

121,654 14 

8,700 00 

37,025 96 



$21,346 47 
192,465 31 
1,018 94 
1,859 37 
7,654 58 
2,484 36 

$226,829 03 
13,998 64 



$944,761 35 
126,875 00 

$817,886 35 



212,830 39 



Surplus $605,055 96 



1880.] FOREIGN FIRE INSURANCE COS. 305 

Income. 
Cash received for fire premiums . . . $362,997 56 
Deduct re-insurance and return premiums . 30,848 75 

Net cash received for fire premiums . . $332,148 81 

Interest and dividends received from all sources . . . 36,300 00 



Gross cash income $368,448 81 

Expenditures. 

Cash paid for fire losses . $143,942 21 

for commissions and brokerage .... 63,118 20 

for salaries of officers and employes . . . 23,336 30 

for state and local taxes . . .... 9,431 33 

for incidentals 22,336 20 

remitted to Home office . . . . $22,500 00 



Gross cash expenditures $262,164 24 

Risks and Premiums. 

Premiums. 

$26,353,745 00 $223,232 04 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



53,484,643 00 878,080 37 



$79,838,388 00 $601,312 41 
39,426,630 00 231,653 40 



$40,411,758 00 $369,659 01 
449,075 00 2,731 78 



$39,962,683 00 $366,927 23 



UNITED STATES BRANCH OF THE HAMBURG-BREMEN 
FIRE INSURANCE COMPANY, HAMBURG, GERMANY. 

Sophus V. Dorrien, Resident Manager. 

Office, 178 Broadway, New York. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $595,000 00 $633,461 25 

Union Pacific Railroad bonds .... 20,000 00 23,000 00 
Chicago, Milwaukee, and St. Paul R.R. bonds, 5,000 00 6,750 00 



520,000 00 $663,211 25 
Securities held as collateral for cash loans : — 

Market value. Loanrd thereon. 

United States bonds $43,587 50 $40,000 00 

Ohio, Milwaukee, and St. Paul Railroad bonds, 92,975 00 ~\ 

Canada Southern Railroad bonds . . . 5,200 00 I -, nnnnn nn 

Chicago and North- Western Railroad bonds . 12,600 00! 

Chicago, Rock island, and Pacific R.R. bonds, 13,850 00 J 

$108,212 50 fl 10,000 00 



366 



UNITED SATES BRANCHES OF [Dec. 31, 



Summary of Assets Dec. 31, 1880. 



Loans on mortgage of real estate (first liens *), 
Stocks, bonds, etc., as per schedule 
Loans on collateral security as per schedule 
Cash deposited in various banks 
Premiums in course of collection (net) . 
Gross assets ..... 
Deduct special deposits in other states 



Balance 



$23,000 

663,211 

140,000 

43,134 

35,756 



00 
25 
00 
30 
36 



Liabilities. 
Net amount of unpaid losses . 
Unearned premiums on outstanding risks 

Gross liabilities .... 

Deduct liabilities on special deposits 



Surplus . 

Income. 

Cash received for fire premiums . . . $589,991 
Deduct re-insurance and return premiums . 69,352 

Net cash received for fire premiums . . 

Interest received on bonds 

and dividends received from all other sources . 

Gross cash income .... 

Expenditures. 
Cash paid for fire losses . 

for commissions and brokerage 
for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



$32,396 
270,630 



00 
19 



$303,026 
14,612 



19 
97 



07 
14 



Fire risks outstanding Dec. 31, 1879 
written during 1880 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$39,074,139 
58,799,868 



$905,101 91 
166,131 25 

$738,970 66 



288,413 22 
$450,557 44 



$520,638 93 

29,480 00 

3,838 33 

$553,957 26 



. $268,914 81 

. 112,752 46 

23,514 62 

12,276 76 

29,639 70 

. $447,098 35 

Premiums. 

00 $427,975 60 
00 594,338 14 



$97,874,007 
51,411,643 



00 $1,022,313 74 
00 485,477 90 



$46,462,364 
293,225 



00 $536,835 84 
00 2,644 46 



$46,169,139 00 $534,191 38 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$30,000 00 
50,000 00 
20,000 00 



1880.] FOREIGN FIRE INSURANCE COS. 



367 



UNITED STATES BRANCH OF THE HAMBURG-MAGDEBURG 
FIRE INSURANCE COMPANY, HAMBURG, GERMANY. 

Justus Kohler, Manager. 

Office, 42 Pine Street, New York. 

Summary of Assets Dec. 31, 1880. 



United States bonds .... 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Gross assets 

Liabilities. 

Losses adjusted unpaid .... 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 
Return premiums . 

Gross liabilities .... 



$417,105 00 
1,536 23 

48,072 67 

116 56 

22,485 48 



- $489,315 94 



$16,986 65 

12,052 71 

1,280 00 

151,395 62 

832 33 

84 23 



182,631 54 



Surplus . $306,684 40 

Income. 

Cash received for fire premiums 



Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest and dividends received from all sources 
Income from sale of property .... 



$353,964 34 
63,020 89 



$290,943 45 

16,974 85 

64 08 



received from Home office 



$33,793 82 



Gross cash income $307,982 38 

Expenditures. 

Cash paid for fire losses $205,872 75 

Deduct salvage and re-insurance . . . 988 49 

Net cash paid for fire losses .... $204,884 26 

Cash paid for commissions and brokerage .... 68,263 79 

for salaries of officers and employes . . . 12,166 76* 

for taxes and incidentals . .... 31,404 68 

Gross cash expenditures . . . . . . . $316,719' 49* 

Risks and Premiums. 

I 'rem! urna. 

Fire risks outstanding Dec. 31, 1879 . $17,130,344 00 $215,213 13 
written during 1880 . . 27,773,807 00 318,03177 



Total 



$14,013,151 00 $563,274 90- 



368 



UNITED STATES* BRANCHES OF [Dec. 31, 



Premiums. 

Deduct risks expired and terminated . 123,759,610 00 $270,673 69 



In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$21,153,541 00 $292,601 21 
130,341 00 1,450 28 



$21,023,200 00 $291,150 93 



UNITED STATES BRANCH OF THE IMPERIAL FIRE 
INSURANCE COMPANY, LONDON, ENG. 

Richard D. Alliger, Resident Manager. 

Office, No. 33 Pine Street, New York. 

Detailed Statement of Stocks, Bonds, Etc. 



United States bonds 
Virginia state bonds 
West Virginia state bonds 
Tennessee state bonds 



Summary of Assets Dec 

Cash value of unencumbered real estate 

Bonds as per schedule 

Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (gross) 
Rents due and accrued . 

Gross assets .... 
Deduct special deposits in other states 



Par value. Market value. 

$634,300 00 $712,607 13 

71,600 00 36,874 00 

28,667 00 2,866 70 

20,000 00 9,500 00 



Balance .... $718,226 04 



$754,567 00 $761,847 83 

31, 1880. 

$165,000 00 

761,847 83 

870 57 

11,602 44 

53,639 23 

3,241 67 

$996,201 74 

. 277,975 70 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities 
Deduct liabilities on special deposits 



Surplus 



Income 

Cash received for fire premiums 
Deduct re-insurance and return premium 
Net cash received for fire premiums 



$7,978 41 

15,120 00 

6,479 01 

272,410 83 

8,094 44 

$310,082 69 
20,838 48 



289,244 21 
$428,981 83 



$572,755 67 
66,871 21 



$505,884 46 



1880.] FOREIGN FIRE INSURANCE COS, 



369 



Interest and dividends received from all sources 
Income from rents ...... 



Gross cash income .... 

Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses .... 
Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

Gross cash expenditures .... 
Risks and Premiums. 



$286,832 90 
5,202 71 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$39,943,827 00 
62,172,154 00 



$102,115,981 00! 
51,230,445 00 



$29,468 00 
19,012 50 

$554,364 96 



$281,630 19 
91,981 12 
32,498 51 

18,702 67 
9,180 67 

$433,993 16 

Premiums. 

$443,191 00 
576,637 27 

$1,019,828 27 
485,999 54 



$50,885,536 00 
108,331 00 



,828 73 
1,540 80 

$50,777,205 00 $532,287 93 



UNITED STATES BRANCH OF THE LANCASHIRE INSUR- 
ANCE COMPANY, MANCHESTER, ENG. 
Henry Robertson, Resident Manager, 
Office, No. 40 Pine Street, New York. 

Summary of Assets Dec. 31, 1880. 



United States bonds .... 
Premiums in course of collection (gross) 
Gross assets 

Liabilities. 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
State and local taxes .... 
Commissions and brokerage . 

Gross liabilities .... 
Deduct liabilities on special deposits 



$948,675 00 
43,992 64 



$992,667 64* 



$116,551 20 

630,907 89 

7,500 00 

1,500 00 

$756,459 09 
50,450 00 



706,009 09 



Surplus $286,658 55 



* In addition to this amount, 1 1 1 « ■ company reports (516,694 92 in other assets in this coun< 

try, but no I in tin- hands of trustees or on deposit With any slate dcpai Inn nt w here it in avail 

able for payment of Iokkoh to citizens of thin suite, und therefore not recognized an u credit 
and* r the laws <>i Mahsacinihctu. 
47 



370 UNITED STATES BRANCHES OF [Dec. 31, 

Income. 

Cash received for fire premiums . . $1,108,077 54 
Deduct re-insurance and return premiums . 170,967 95 
Net cash received for fire premiums . . $937,109 59 

Gross cash income . . . . .... $937,109 59 

Expenditures. 



Cash paid for fire losses 

for commissions and brokerage 
for salaries of officers and employes 
for state and local taxes . 



Gross cash expenditures .... 

Risks and Premiums. 



$598,096 64 

155,164 17 

123,235 88 

24,315 97 

$900,812 66 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$73,656,049 00 $835,077 80 
116,400,565 00 1,108,075 76 



$190,056,614 00 $1,943,153 56 
91,941,667 00 864,163 86 



$98,114,947 00 $1,078,989 70 
3,076,907 00 32,616 61 



)5,038,040 00 $1,046,373 09 



UNITED STATES BRANCH OF THE LION FIRE INSURANCE 
COMPANY, LONDON, ENG. 

M. Bennett, Jun., Manager. 

Office, No. 64 Pearl Street, Hartford, Conn. 



Summary of Assets Dec. 31, 1880. 

$336,000 00 

60 00 

18,147 73 

21,547 25 



United States bonds . 

Cash in the office of the company . 

deposited in bank . 
Premiums in course of collection (net) . 
Gross assets . 



Liabilities. 

Losses claimed and reported . 
Unearned premiums on outstanding risks 
Gross liabilities .... 



$5,442 13 
29,826 75 



$375,754 98 



35,268 88 



Surplus 



$340,486 10 



1880.] FOREIGN FIRE INSURANCE COS. 371 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 



51,481 67 
2,695 50 



Gross cash income 



,786 17 
2,000 00 

,786 17 



Expenditures. 

Cash paid for fire losses . 

for commissions and brokerage 
for salaries of officers and employes 
for state and local taxes . 
for incidentals 



$2,685 95 
10,802 00 

2,816 49 
• 890 22 

3,836 53 

Gross cash expenditures . . . .... $21,031 19 

Risks and Premiums. 

Premiums. 

$7,424,079 00 $61,481 67 
134,483 00 1,773 20 



Fire risks written during 1880 
Deduct risks expired and terminated 



In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$7,289,596 00 $59,708 47 
263,416 00 2,245 52 



',026,180 00 $57,462 95 



UNITED STATES BRANCH OF THE LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY, LIVERPOOL, ENG. 

James E. Pulsford, Resident Manager. 
Office, No. J+5 William Street, New York. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $1,505,000 00 $1,735,450 00 

New York state bonds 45,000 00 54,000 00 

Richmond city bonds 5,000 00 6,500 00 

Mississippi pay warrants .... 20,000 00 18,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate . 
Loans on mortgage of real estate (first liens) 
Interest due or accrued thereon 
Bonds, etc., as per schedule . 
Cash in the office of the company 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 



$1,575,000 00$1,813,950 00 

31, 1880. 

$647,850 00 

1,185,400 00 

24,043 00 

1,813,050 00 

ooo 76 

480,008 92 
2,888 oi 

287,520 57 



372 UNITED STATES BRANCHES OF [Dec. 31, 



Notes taken for marine and inland risks. 
Rents due and accrued .... 
Re-insurance due ..... 
Life premiums unpaid .... 
Loans on life policies . . . 
Prem's more than three months due, $46,024 06 

Gross assets 

Deduct special deposits in other states . 



Balance 



$2,916 67 

3,070 89 

1,650 38 

203 83 

11,463 20 



$4,462,065 26 
. 295,825 00 



Liabilities. 



$3,232,481 51 

. 568,238 57 



: , 166,240 26 



Losses adjusted unpaid $4,733 70 

claimed and reported .... 330,666 54 
disputed or resisted .... 44,064 10 

Total amount of losses .... $379,464 34: 
Less re-insurance . . . . . 87,707 86 

Net amount of unpaid losses .... $291,756 48 

Unearned premiums on outstanding risks . 1,860,337 98 

Reclaimable on perpetual fire policies . . 303,504 48 

Life and annuity reserve fund . . . 120,893 56 

Commissions and brokerage .... 52,056 28 

Re-insurance due ...... 15,000 00 

Trust funds . 3,481 44 

Gross liabilities .... $2,647,030 22 

Deduct liabilities on special deposits . . 171,910 00 

Surplus 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . . <| 

Interest received on bonds and mortgages ..... 

and dividends received from all other sources . 
Income from rents ......... 

Deposits received for perpetual fire risks . . $14,230 22 



2,475,120 22 
,691,120 04 



12,664,242 94 

89,014 14 

55,276 54 

20,622 27 



Gross cash income . $2,829,155 89 

Expenditures. 
Cash paid for fire losses . . . . $1,586,912 57 
Deduct salvage and re-insurance . . .. 130,427 70 

Net cash paid for fire losses .... $1,456,48487 

Cash paid for commissions and brokerage .... 477,856 95 
for salaries of officers and employes . . . 148,826 69 
for state and local taxes 46,539 79 



1880.] FOREIGN FIRE INSURANCE COS. 373 

$152,290 21 



Cash paid for incidentals .... 

Deposits returned on perpetual fire risks . 

Gross cash expenditures . 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1879 
"written during 1880 



$18,346 38 



$2,281,998 51 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$371,387,814 00 $3,420,139 88 
431,237,871 00 3,252,758 21 



$802,625,685 00 $6,672,898 09 
367,227,514 00 2,848,825 06 



135,398,171 0013,824,073 03 
33,407,998 00 217,003 88 



$101,990,173 00 $3,607,069 15 



UNITED STATES BRANCH OF THE LONDON ASSURANCE 
CORPORATION, LONDON, ENG. 

B. Lockwood, Resident Manager. 

Office, No. 88 Wall Street, New York. 

Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate 

United States bonds 

Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (net) 

Gross assets .... 
Deduct special deposits in other states 



Balance 



$2,250 00 

1,155,000 00 

3,877 64 

90,352 80 

36,022 34 



•$1,287,502 78 
. 252,281 25 



,035,221 53 



Liabilities. 

Net amount of unpaid losses .... $26,018 00 

Unearned premiums on outstanding risks . 414,269 75 

Reclaimable on perpetual fire policies . . 1,217 92 

Gross liabilities $141,505 67 

Deduct liabilities on special deposits . . 48,864 00 



392,611 67 



Surplus $612,579 86 

Income. 
Cash received for fire premiums . . . $758,143 66 
Deduct re-insurance aijd return premiums . 115, 674 42 

Net cash received for fire premiums . . $642,469 21 

rnterest and dividends received from all sources . . . 45,000 00 
Deposits received for perpetual fire risks . $1,038 62 



Gross cash income 



$7,469 21 



374 UNITED STATES BRANCHES OF [Dec. 31, 

Expenditures. 



$356,023 24 
18,367 61 



Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses .... 

Cash paid for commissions and brokerage .... 

for salaries of officers and employes 

for state and local taxes . . .... 

for incidentals . . . .... 

remitted to Home office .... $75,498 21 

Gross cash expenditures . . . .... 

Risks and Premiums. 



$337,655 63 
96,659 76 
25,815 63 
21,422 71 
58,167 71 



5539,721 44 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 



Premiums. 

$71,095,407 00 $650,589 04 
83,132,433 00 619,366 05 



$154,227,840 00$1,299,955 09 
70,683,959 00 503,556 22 



$83,543,881 00 $796,398 87 



UNITED STATES BRANCH OF THE LONDON AND LANCA- 
SHIRE FIRE INSURANCE COMPANY, LIVERPOOL, ENG. 

Foster & Scull, Managers of New England Branch. 

Office, No. 53 Devonshire Street, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds . . . . . $801,000 00 $899,878 00 
New York city bonds 15,000 00 16,050 00 



$819,000 00 $915,928 00 



Summary of Assets Dec. 31, 1880. 



Stocks and bonds as per schedule . 
Cash in the office of the company . 

deposited in various banks 
Interest due and accrued 
Premiums in course of collection (gross) 
Rents due and accrued . 
Re-insurance due .... 

Gross assets . 
Deduct special deposits in other states 



$915,928 00 

14,294 20 

12,072 19 

100 00 

71,794 08 

354 66 

426 78 



1,014,969 91 
250,925 00 



Balance $764,044 91 



1880.] FOREIGN FIRE INSURANCE COS. 



375 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses 

Unearned premiums on outstanding risks 

Due and accrued for rent, salaries, etc. 

State and local taxes 

Commissions and brokerage 

Return premiums . 

Miscellaneous . 

Gross liabilities 
Deduct liabilities on special deposits 



Surplus 



Income 

Cash received for fire premiums . . . $937,143 50 
Deduct re-insurance and return premiums . 122,115 05 
Net cash received for fire premiums 
Interest and dividends received from all sources 
Income from rents .... 



$4,547 89 
72,427 28 
10,903 32 

$87,878 49 
10,525 00 

$77,353 49 

422,041 03 

3,810 55 

2,722 19 

7,753 93 
613 82 
548 81 

$514,843 82 
35,575 23 



Gross cash income . 

Expenditures. 

Cash paid for fire losses $529,009 

Deduct salvage and re-insurance . . . 5,474 

Net cash paid for lire losses .... 

Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

Gross cash expenditures .... 

Risks and Premiums. 



42 

85 



$479,268 59 
$284,776 32 



$S15,028 45 

32,264 23 

1,579 89 

$848,872 57 



$523,534 57 

129,058 89 

45,880 71 

18,482 06 

65,692 63 

$782,648 86 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 

Deduct amount re-insurcd 

Net amount in force 



$56,944,008 
120,892,638 



Premiums. 
00 $434,028 13 

00 910,176 29 



$177,836,646 
93,027,986 



0011,374,204 12 
00 569,536 20 



$84,808,660 
2,409,152 



00 $804,668 22 
00 26,128 91 



$82,899,508 00 $778,589 81 



376 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE MfiTROPOLE INSUR- 
ANCE COMPANY, PARIS, FRANCE. 

John C. Paige, Resident Manager. 

Office, No. 20 Kilby Street, Boston, Mass. 

Summary of Assets Dec. 31, 1880. 



United States bonds . 

Cash in the office of the company . 

deposited in bank .... 
Premiums in course of collection (gross) 
Gross assets 

Liabilities. 
Losses adjusted unpaid .... 

claimed and reported . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. . 
Commissions and brokerage . 

Gross liabilities .... 



Surplus . . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 

Received from Home office 



Gross cash income 



Expenditures. 

Cash paid for fire losses . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 



Gross cash expenditures . 

Risks and Premiums. 



$364,960 00 

1,745 36 

30,782 51 

52,559 18 



$6,729 04 

9,397 17 

156,097 68 

4,112 00 

7,400 00 



$164,304 50 
184,896 21 



$100,000 00 



$164,261 80 
29,719 51 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$3,320,115 00 
50,201,227 00 



$450,047 05 



183,735 89 
$266,311 16 



$279,408 29 
11,755 00 

$291,163 29 



$134,542 29 

46,435 10 

38,055 25 

8,677 52 

£227,710 16 

Premiums. 

$36,785 57 
481,464 65 



$53,521,342 00 $518,250 22 
26,302,880 00 173,244-45 



$27,218,462 00 $345,005 77 
6,404,712 00 58,000 30 



$20,813,750 00 $287,005 47 



1880.] FOREIGN FIRE INSURANCE COS. 377 



UNITED STATES BRANCH OF THE NORTH BRITISH AND 
MERCANTILE INSURANCE COMPANY, LONDON AND EDIN- 
BURGH, G.B. 

Charles E. White and Samuel P. Blagden, Managers. 
Office , No. 54 William Street, New York. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds .... $1,343,000 00 $1,553,860 00 



New York county bonds , . 
New York city bonds 
South Carolina state bonds 
Tennessee state bonds 
Alabama state bonds 
Virginia state bonds 



31,000 00 
■18,000 00 
12,500 00 
26,000 00 
10,000 00 
61,966 67 



40,198 75 
23,392 50 
13,250 00 
11,830 00 
7,325 00 
38,682 50 



11,505,466 67 $1,688,538 75 



Summary of Assets Dec. 31, 1880. 



Bonds as per schedule 

Cash in the office of the company . 

deposited in bank . 
Premiums in course of collection (net) 
Notes taken for fire risks 

Gross assets 
Deduct spec^l deposits in other states 



Balance $1,650,146 56 



$1,688,538 75 

196 76 

126,531 93 

141,071 01 

1,750 61 



$1,958,089 06 
307,942 50 



Liabilities. 

Losses adjusted unpaid $32,129 06 

claimed and reported . . . 33,974 25 

disputed or resisted . . . . 8,151 23 

Unearned premiums on outstanding risks . 774,948 50 

Gross liabilities $819,203 04 

Deduct liabilities on special deposits . . 74,751 42 



774,451 62 



Surplus $875,694 94 



Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds 

Gross cash income .... 

Expenditures. 

Cash paid for fire losses .... 
for commissions and brokerage 

48 



,303,988 61 
1(55, 158 03 



,198,830 58 

76,577 48 



$1,275/108 00 

. 8070,735 09 
102,565 44 



378 



UNITED STATES BRANCHES OF [Dec. 31, 



Cash paid for salaries of officers and employes 
for state and local taxes . 
for incidentals . . . 

Gross cash expenditures .... 

Risks and Premiums. 



, $87,350 76 
28,585 69 
79,428 62 

$1,028,665 60 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 



$150,675,172 00 
199,846,715 00 



Premiums. 

£1,476,594 94 
1,363,988 61 



$350,521,887 00 
185,554,502 00 



$2,810,583 55 
1,321,073 80 



$164,967,385 00 $1,519,509 75 



UNITED STATES BRANCH OF THE NORTHERN ASSUR- 
ANCE COMPANY, LONDON, ENG. 

Richard D. Alliger, Resident Manager. 

Office, No. 83 Pine Street, New York. 



Summary of Assets Dec 

United States bonds 

Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (gross) 
Gross assets ..... 
Deduct special deposits in other states 



Balance 



31, 1880. 

$789,497 13 

870 57 

11,602 44 

53,639 23 



$855,609 37 
248,937 50 

$606,671 87 



Liabilities. 

Losses adjusted unpaid .... 

claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities .... 

Deduct liabilities on special deposits 



$7,978 41 
15,120 00 

6,479 01 
272,410 83 

8,094 44 

£3 10,082 69 
20,838 48 



289,244 21 



Surplus $317,427 66 

Income. 

Cash received for fire premiums 



Deduct re -insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 

Gross cash income ..... 



$572,755 67 
66,871 21 



- $505,884 46 
30,924 50 

. $530,808 96 



1880.] FOREIGN FIRE INSURANCE COS. 379 



Expenditures. 
Cash paid for fire losses ..... $280,198 
Deduct salvage and re-insurance . . . 5,202 

Net cash paid for fire losses 
Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



05 
71 



1274,995 34 

91,981 12 

32,498 51 

15,164 03 

4,769 63 

$419,408 63 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$39,248,949 
62,172,154 



Premiums. 

00 $433,571 00 
00 576,637 27 



$101,421,103 

50,535,567 



00 $1,010,208 27 
00 476,379 54 



$50,885,536 
108,331 



00 $533,828 73 
00 1,540 80 



$50,777,205 00 $532,287 93 



UNITED STATES BRANCH OF THE NORTH GERMAN FIRE 

INSURANCE COMPANY, HAMBURG, GERMANY. 

C. Perger, Resident Manager. 

Office, No. 202 Broadway, New York. 

Summary of Assets Dec. 31, 1880. 



United States bonds 

Cash in the office of the company . 

deposited in various banks 
Premiums in course of collection (net) 

Gross assets .... 
Deduct special deposits in other states 



Balance 



Liabilities. 



Losses adjusted unpaid .... 
claimed and reported . 

Total amount of losses 
Less re-insurance ..... 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 

Gross liabilities . . . . 

Deduct liabilities on special deposits 



$366,240 00 

2,174 75 

10,801 57 

21,753 46 



$400,969 78 
21,840 00 

$379,129 78 



$3,229 73 
13,150 00 

$16,379 73 
2,112 50 

814,267 23 

134,922 12 

i>H9,189 35 
2,768 51 



146,420 84 



Surplus 



. $282,708 91 



380 



UNITED STATES BRANCHES OF [Dec. 31, 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 

Received from Home office .... 



$316,785 64 
.46,274 48 



$16,041 81 



$270,511 16 
14,682 48 



Gross cash income $285,193 64 



Expenditures. 

Cash paid for fire losses . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for commissions and brokerage 

for salaries of officers and employe 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



Risks and Premiums. 



$201,189 74 
11,758 79 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$18,262,951 00 
29,827,440 00 

$48,090,391 00 
24,700,159 00 

$23,390,232 00 
1,077,059 00 



£189,430 95 

48,411 27 

24,142 94 

8,988 84 

27,734 79 

£298,708 79 

4 

Premiums. 

£225,560 41 
309,455 63 

£535,016 04 
258,903 28 

£276,112 76 
11,094 14 



$22,313,173 00 $265,018 62 



UNITED STATES BRANCH OF THE NORWICH UNION FIRE 
INSURANCE SOCIETY, NORWICH, ENG. 
J. Montgomery Hare, Resident Manager. 
Office, No. 61 Wall Street, New York. 



Summary of Assets Dec. 31, 1880. 

United States bonds $589,968 75 

Cash in the office of the company . . . 108 11 

deposited in various banks . . . 35,988 43 

Premiums in course of collection (net) . . 26,142 13 
more than three months due, $67 80 

Gross assets ...... 

Deduct special deposits in other states . .... 



$052,207 42 
233,740 00 



Balance 



18,467 42 



1880.] FOREIGN FIRE INSURANCE COS. 

Liabilities. 



381 



Losses adjusted unpaid . 

claimed and reported . 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Due and accrued for rents, salaries, etc. 

Gross liabilities 
Deduct liabilities on special deposits 



$1,025 45 
20,620 66 



$21,646 11 
3,000 00 

$18,646 11 

165,075 01 

842 40 

$184,563 52 
12,638 56 



$171,924 96 



Surplus . . . $246,542 46 



Income. 

Cash received for fire premiums . . . $376,307 58 
Deduct re-insurance and return premiums . 53,677 20 

Net cash received for fire premiums . . 

Interest and dividends received from all sources . 



$322,630 38 
20,800 00 



Gross cash income $343,430 38 



Expenditures. 

Cash paid for fire losses . . . . . 

Deduct salvage and re-insurance 

Net cash paid for fire losses . . . . 

Cash paid for commissions and brokerage 

for salaries of officers and employe's 
for state and local taxes . 
for incidentals . 

Gross cash expenditures . 



$147,738 66 
2,184 21 



$145,554 45 

52,051 38 

28,405 75 

6,473 36 

21,714 47 

$254,199 41 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 



Premiums. 

$20,144,018 00 $171,163 78 
57,578,622 00 376,307 58 



,722,640 00 $517,471 30 
41,404,478 00 229,853 08 



$36,318,162 00 $317,617 68 
3,371,880 00 9,809 88 



Net amount in force 



$32,916,282 00 $308,307 80 



382 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE PHCENIX ASSURANCE 
COMPANY, LONDON, ENG. 

Alexander D. Irving, Attorney. 

Office, No. 54 William Street, New York. 

Summary of Assets Dec. 31, 1880. 
United States bonds .... 
Cash deposited in bank .... 
Interest due and accrued 
Premiums in course of collection (gross) . 
Prem's more than three months due, $418 50 

Gross assets ..... 
Deduct special deposits in other states 



Balance . . $525,613 27 



,948 75 

32,016 38 

1,000 00 

47,591 89 



,557 02 
162,943 75 



Liabilities. 

Losses adjusted unpaid . 

claimed and reported . 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses . 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities 
Deduct liabilities on special deposits 



$533 33 

50,600 28 

$51,133 61 
8,000 00 

$43,133 61 

249,127 43 

3,237 25 

$295,498 29 
23,345 99 



272,152 30 



Surplus . $253,460 97 

Income. 

Cash received for fire premiums 



Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 



$530,688 55 
75,902 78 



Gross cash income 



$454,785 77 
25,502 32 

$480,288 09 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses . 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures . 



$171,759 95 
4,612 97 



$167,146 98 
67,310 88 
20,407 74 
11,112 78 
39,284 77 

$305,263 15 



1880.] FOREIGN FIRE INSURANCE COS. 383 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . . . 
Deduct risks expired and terminated 

In force at end of year . . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$8,652,247 00 $62,313 87 
67,181,663 00 530,688 55 



^75,833,910 00 $593,002 42 
24,756,469 00 129,444 21 



^51,077,441 00 $463,558 21 
3,070,886 00 16,207 64 



$48,006,555 00 $447,350 57 



UNITED STATES BRANCH OF THE QUEEN INSURANCE COM- 
PANY, LIVERPOOL, ENG. 

William H. Ross, Manager. 

Office, No. 37 Wall Street, New York. 

Summary of Assets Dec. 31, 1880. 



Cash value of unencumbered real estate 

United States bonds 

Cash in the office of the company 

deposited in bank . 
Interest due and accrued 
Premiums in course of collection (net) 
Rents accrued . . . . 

Special deposit in Pennsylvania 

Gross assets .... 
Deduct special deposits in other states 



Balance 



Liabilities. 



Losses claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance . 

Net amount of unpaid losses 

Unearned premiums on outstanding risks 

Gross liabilities . . . . 

Deduct liabilities on special deposits 



$300,152 31 

1,152,225 00 

1,000 55 

66,575 66 

900 00 

105,043 96 

4,448 33 

1,000 00 



1,631,345 81 
252,275 00 

,379,070 81 



$102,640 19 
21,317 00 

$123,957 19 
800 00 

$123,157 19 
585,982 76 

$709,139 95 
45,535 00 
003,601 05 



Surplus 



:, L5,466 # 86 



384 UNITED STATES BRANCHES OF [Dec. 31, 



Income. 
Cash received for fire premiums . . $1 

Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest and dividends received from all sources 
Income from rents ...... 



,088,175 57 
111,581 19 



Gross cash income .......$ 

Expenditures. 
Cash paid for fire losses . .... $711,71595 
Deduct salvage and re-insurance . . . 25,095 41 

Net cash paid for fire losses .... 

Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 

Gross cash expenditures .... 

Risks and Premiums. 



$976,594 38 
58,182 02 
26,373 47 

1,061,149 87 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total . . 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$113,097,336 00 
122,066,051 00 

$235,163,387 00 
121,497,400 00 

$113,665,987 00 
557,162 00 



,620 54 

168,458 80 

41,255 04 

23,144 27 

52,079 53 

$971,558 18 

Premiums. 

51,105,432 96 
1,094,701 14 

52,200,134 10 
1,045,829 71 

^1,154,304 39 
5,263 17 



$113,108,825 00 $1,149,041 22 



UNITED STATES BRANCH OF THE COMPAGNIE DE 
REASSURANCES GENERALES, PARIS, FRANCE. 

John C. Paige, Manager. 
Office, No 20 Kilby Street, Boston, Mass. 

Summary of Assets Dec. 31, 1880. 



United States bonds . . . . 
Cash in the office of the company . 

deposited in bank . . . . 
Premiums in course of collection (gross) 



Gross assets 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported . 

Total amount of losses 



$353,976 25 

1,421 00 

13,393 52 

30,792 24 

$399,583 01 



$5,382 61 
14,852 66 

$20,235 27 



1880.] FOREIGN FIRE INSURANCE COS. 



385 



Less re-insurance $3,024 91 

Net amount of unpaid losses .... $17,210 36 

Unearned premiums on outstanding risks . 97,866 34 

Due and accrued for rent, salaries, etc. . . 3,249 32 

Commissions and brokerage .... 6,450 23 

Gross liabilities . . . 



Surplus 



Income 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums 
Interest received on bonds 



Gross cash income 



$124,776 25 



$274,806 76 



$311,808 73 
36,927 61 



$274,881 12 
15,295 00 

$290,176 12 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 

Net cash paid for fire losses .... 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . 

Gross cash expenditures .... 



$172,653 17 
2,110 50 



$170,542 67 

58,436 17 

23,551 93 

5,979 58 

$258,510 35 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$420,258 00 $4,668 53 
43,065,648 00 337,896 61 



$43,485,906 00 $342,565 14 
27,088,227 00 158,919 14 



$16,397,079 00 $183,646 00 
354,190 00 3,323 82 



$16,043,489 00 $180,322 18 



UNITED STATES BRANCH OF THE ROYAL INSURANCE 
COMPANY, LIVERPOOL, ENG. 

FOSTER & Scull, Managers of New England Branch. 

Office, No. 53 Devonshire Street, Boston. 

Summary of Assets Deo. 81, 1880. 
United States bonds .... $2,507.0:52 50 
Cash deposited in bank 223,277 17 



Interest due and accrued 
49 



51,100 00 



386 



UNITED STATES BRANCHES OF [Dec. 31, 



Premiums in course of collection (gross) 

Re-iusurance, etc. .... 

Prem's more than three months due, $11,046 25 

Gross assets .... 
Deduct special deposits in other states 



Balance 



$183,155 91 
3,837 31 



-$3,031,402 89 
. 317,000 00 

$2,714,402 89 



Liabilities. 



Losses adjusted unpaid . 

claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses 

Unearned premiums on outstanding risks 

Eeclaimable on perpetual fire policies 

Life and annuity reserve fund 

Due and accrued for rent, salaries, etc 

State and local taxes 

Commissions and brokerage 

Re-insurance premiums due 

Miscellaneous . 

Gross liabilities 
Deduct liabilities on special deposits 

Surplus . . . 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 

Income from all other sources 

Deposits received for perpetual fire risks 



$6,924 93 

127,129 34 

12,383 33 

$146,437 60 
666 00 

$145,771 60 

1,284,419 00 

27,512 47 

136,600 00 

1,304 80 

1,345 17 

29,296 85 

8,513 21 

17,443 87 



,652,206 97 
167,818 16 



- 1,484,388 81 
$1,230,014 08 



$2,055,470 72 
328,205 80 



',153 88 



,727,264 92 

110,817 00 

4,370 61 



Gross cash income $1,842,452 53 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for commissions and brokerage 

for salaries of officers and employe's 
for state and local taxes . 
for incidentals 

Deposits returned on perpetual fire risks . 

Gross cash expenditures . 



$929,233 23 
67,569 08 



$861,664 15 

331,770 85 

105,949 47 

36,601 89 

86,062 43 



$580 43 



$1,422,048 79 



1880.] FOREIGN FIRE INSURANCE COS. 387 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1879 
written during 1880 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$228,644,069 00 $2,270,270 22 
261,892,457 00 2,082,043 30 



$490,536,526 00 $4,352,313 52 
217,489,167 00 1,737,935 22 



$273,047,359 00 $2,614,378 30 
15,235,757 00 135,648 48 



$257,811,602 00 $2,478,729 82 



UNITED STATES BRANCH OF THE SCOTTISH UNION AND 
NATIONAL INSURANCE COMPANY, EDINBURGH, GREAT 
BRITAIN. 

M. Bennett, Jun., Manager. 

Office, No. 64 Pearl Street, Hartford, Conn. 

Summary of Assets Dec. 31, 1880. 

United States bonds $442,400 00 

Cash in the office of the company ... 60 00 

deposited in bank . 23,588 97 

Premiums in course of collection (net) . . 21,412 91 

Gross assets $487,461 88 

Deduct special deposits in other states . . . . . 145,000 00 

Balance $342,461 88 

Liabilities. 

Losses claimed and reported . . . . $2,138 59 

Unearned premiums on outstanding risks , 30,755 94 

Gross liabilities 32,894 53 

Surplus . $309,567 35 

Income. 

Cash received for fire premiums . . . $63,726 64 
Deduct re-insurance and return premiums . 2,778 62 

Net cash received for fire premiums . . $60,948 02 

Interest and dividends received from all sources . . . 3,950 00 

Gross cash income $04,898 02 

Expenditures. 

Cash paid for fire losses $851 51 

for commissions and brokerage .... 10,972 18 

for salaries of officers and employe's . . . 2,816 18 

for state and local taxes ..... 1 ,288 63 

for incidentals 3,907 44 

Gross cash expenditures # . $19,836 14 



388 UNITED STATES BRANCHES OF [Dec. 31, 

Risks and Premiums. 



Fire risks written during 1880 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



Premiums. 

$7,631,259 00 $63,726 64 
175,318 00 1,247 00 



',455,941 00 $62,479 64 
289,969 00 2,324 11 



,165,972 00 $60,155 53 



UNITED STATES BRANCH OF THE TRANSATLANTIC FIRE 
INSURANCE COMPANY, HAMBURG, GERMANY. 

E. Harbers, Resident Manager. 

Office , New York. 

Summary of Assets Dec. 31, 1880. 



United States bonds 

Cash deposited in bank . 

Premiums in course of collection (net) 

Gross assets .... 
Deduct special deposits in other states 



Balance 



^438,737 50 
18,923 54 
19,142 24 



$476,803 28 
113,500 00 

$363,303 28 



Liabilities. 

Net amount of unpaid losses . . . . $17,851 00 
Unearned premiums on outstanding risks . 130,830 21 

Gross liabilities ..... $148,681 21 
Deduct liabilities on special deposits , . 6,861 71 

Surplus . . . . . 4 

Income. 
Cash received for fire premiums . . . $275,432 08 
Deduct re-insurance and return premiums . 23,177 51 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 



141,819 50 

$221,483 78 



$252,254 57 
19,250 00 



Gross cash income . . . ........ $271,504 57 



Expenditures. 



Cash paid for fire losses . 



for commissions and brokerage 
for salaries of officers and employes 
for state and local taxes . 
for incidentals 

Gross cash expenditures - 



$171,822 15 

49,518 62 

18,900 50 

4,229 63 

20,779 50 

$265,250 40 



1880.] FOREIGN FIRE INSURANCE COS. 



389 



Fire risks outstanding Dec. 31, 1879 
written during 1880 



Risks and Premiums. 

Premiums. 

$20,247,013 00 $264,056 67 
24,517,923 00 274,323 34 



Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$44,764,936 00 $538,380 01 
23,435,032 00 277,795 71 



$21,329,904 00 $260,584 30 
19,750 00 239 25 



$21,310,154 00 $260,345 05 



UNITED STATES BRANCH OF THE WESTERN ASSURANCE 
COMPANY, TORONTO, CANADA. 

George O. Carpenter, New England Agent. 

Office, No. 13 Central Street, Boston, Mass. 



Detailed Statement of Stocks, 



United States bonds .... 
Georgia state bonds .... 

Mississippi state deposits 
Dominion Savings and Investment Company 
Imperial Loan and Investment Company 
Canadian Bank of Commerce 



Bonds, Etc. 

Par value. Market value. 

^476,000 00 $533,780 00 
25,000 00 26,625 00 



15,000 00 
20,000 00 
40,000 00 
50,000 00 



15,000 00 
24,000 00 
48,000 00 
69,500 00 



$626,000 00 $716,905 00 



Summary of Assets Dec. 31, 1880. 



Stocks and bonds as per schedule . 
Cash deposited in various banks 
Premiums in course of collection (gross) 
Notes taken for fire risks 

Gross assets . 
Deduct special deposits in other states , 



Balance 



$716,905 00 

54,100 72 

90,243 62 

4,695 39 



$865,944 73 
332,900 00 

$533,044 73 



Liabilities. 

Losses claimed and reported . 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage . 

Gross liabilities .... 

Deduct liabilities on special deposits 

Surplus ..... 



$57,829 92 

2,875 00 

839, 5(53 79 

18,048 72 

$118,317 43 
169,164 13 



249,153 30 

$283,891 43 



390 



UNITED STATES BRANCHES OF [Dec. 81, 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums 

Interest and dividends received from all sources 



$770,029 19 
107,127 05 



Gross cash income 



$662,902 14 
26,748 71 

,650 85 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for commissions and brokerage 

for state and local taxes . 

for incidentals . . . 



Gross cash expenditures 



$440,882 68 
17,044 75 



$423,837 93 

138,549 08 

15,967 19 

41,887 02 

$620,241 22 



Risks and Premiums. 



Fire risks outstanding Dec. 3.1, 1879 
written during 1880 

Total ..... 
Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured 

Net amount in force 



$39,562,918 00 
66,423,544 00 



Premiums. 

$513,429 26 
780,709 68 



$105,986,462 00 
53,717,138 00 



,294,138 94 
593,868 75 



$52,269,324 00 
2,230,692 00 



,270 19 
37,016 20 



$50,038,632 00 $663,253 99 



1880.] FOREIGN FIRE INSURANCE COS. 



391 



AGGREGATE. 



Gross present assets* 


$22,562,740 00 


Gross present liabilities f . 


$11,147,121 00 


Income. 
Net cash received for fire premiums .... 

for marine premiums 
Unpaid premium notes . . . . $1,030 00 
Interest received from all sources .... 
Income from all other sources 


$16,145,323 00 
14,129 00 

861,532 00 
72,026 00 


Total income . . . . . 


$17,093,010 00 


Expenditures. 

Net cash paid for fire losses 

for marine losses . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 
for state and local taxes 
for all other items . . 




$9,126,695 00 

14,645 00 

2,865,627 00 

956,116 00 

391,960 00 

841,099 00 


Total expenditures . . . . . 


$14,196,142 00 


Risks and Premium 
Fire risks written during the year 
Premiums thereon 

Marine risks written during the year 
Premiums thereon 

Fire risks terminated .... 
Marine risks terminated 
Fire risks outstanding at end of year 
Marine risks outstanding at end of ye 


s. 
ar 




$2,277,088,510 00 

19,134,641 00 

2,646,074 00 

15,107 00 

1,856,257,006 00 

2,540,674 00 

1,898,589,322 00 

320,150 00 



* Immediately available for the payment of losses in this state. 

f Not including liabilities in states wherein special deposits have been made. 



392 



FOREIGN FIRE AND MARINE [Dec. 31, 



OS 

b- 

00 



CO 



O 




JZi 


$ 


«1 


H 




M 


!fi 


fc> 


« 


02 


< 


!zi 


H 


1— 1 


w 




H 


H 


H 


£ 


o 


hH 




« 


H 


< 


14 


a 


H 




<| 


P 


H 
GO 


|Z5 


O 


<4 


F3 


o 


Qw 


H 


i— i 


U 


Ph 






H 




CO 


£5 


<1 










rH 


1—1 


CO 


i» 


CO 


r* 


OS 





rH 


OS 


CO 


CO 


CO 


VO 


to 







rH 


rH 





CM 


10 


t^ 


OS 


t^ 


IO 


IO 





rH 


CM 


t^ 


0> 







IO 


CO 


y—i 


O 


CD 





CM 


CD 


rH 


>o 


H 


t^ 


t- 


rH 


a 


CO* 




rH 


rH 


rH 


co 


CO 


CO 


CM 


OS 


CO 


10 


rH 


r* 


vO 


CO 


■3 


CM 


1 


CM 


t^ 


CO 





t^ 


^H 


co 


CM 


CO 


rH 


rH 


i—t 


t^ 


OS 




O 




"^ 


CD 


CO 


t*. 


CO 


O 







"^ 


IO 


CD 


CO 


c i 


00^ 




1— 1 




rH" 


rH" 


cm" 






co" 


cm" 




IO 


<^ 


rH 


tn 


co" 


cm" 


H 


3^ 




۩= 




۩= 
















۩= 


M-l 


۩= 




w 




































O 




CO 


CM 


CO 


OS 


lO 


OS 


^ 


iO 


OS 


CM 


rH 


CO 





CO 




CM 







rH 


t^ 


10 


CO 


co 


CO 


CM 


t^ 


rW 


CO 


CO 


CO 


CM 




*^i. 




CO 


rH 


CM 


CM 


1>- 


co 


CO 


OS 


10 


rH 


CO 


JO 


CM 


b- 


a5 

a 







CO 





lO 


lO 


os 


CO 


co 


OS 





CO 


1-H 


CD 


VO 


CM 


00 


1 


1^ 


CO 


t- 


rH 


rH 


•^ 


CO 


CM 


CO 


t- 


t^ 


CD 


CM 


b- 










OS 


OS 


•* 


rH 


Tji 


rH 


l—\ 







lO 


GO 


CO 


OS 


rH 
























<^ 













\tH 




«*1 


rH 


CM 






CO 


CM 




CD 


rH 


5^ 


CD 


CO 




'ۤ* 




m 


H 
4-1 


^©= 
















۩ 


«+-l 


^ 






O 


CO 


rH 


r~ 


CO 


CO 


t^ 


OS 


CO 


CO 


]>• 


CO 


CM 


CM 


O 


vO 




vo 


vo 


OS 


rH 


OS 


CM 


CO 


CO 


OS 


CM 


CM 


r— ( 


OS 


CJ 


O 


OS 




CO 





CO 


OS 


t- 


CO 


CM 


UO 


CM 


lO 


rH 


CO 


id 


GO 


OS 





o5 


10 


rH 


rH 


CO 


co 


00 


OS 


CO 


OS 


t* 


O 


«H 


IO 


O 


b- 


b- 


,—i 


rH 


rH 


CO 


CM 


10 


»o 


CM 


CM 


OS 


CO 


t^ 


CO 


rH 


CO 


vo 


CO 


P< 


t^ 


co 


^ 


CM^ 


os 


©. 


CO 


TJH 


CD 


CM 


T-( 


CM 


CM 





OS 


H 


co 


<5©= 


e+i 


rfT 


co" 


co" 






CO 


y—i 


T—i 


1> 


H 


r— 1 


VO 


CO 


rJH 






۩= 


£ 


&$ 














c^ 


*& 


u 


۩ 












«-H 




















=+-1 








b- 


vo 


b- 


■rH 


t^ 


lO 


co 


O 


t» 


CO 


t>» 


OS 


CO 


GO 


os 


CO 




rH 


tH 


b- 


CO 





^H 


l>. 


CO 


co 


rH 


co 





CO 


CM 


CO 


rH 


to 


O 


10 


CO 


CO 


CO 


rH 


vO 





CD 


CD 





rH 


rH 


CM 


co 


CO 


.2 


rH 


CO 


CO 


1— t 


CO 


CO 


00 


OS 





IO 


IO 


CM 


CO 


GO 


CO 


r— 1 


S3 


CM 


CO 


rH 


vo 


10 


GO 


10 


^ 


1» 


O 


OS 


rH 


CM 


rH 





CO 


•~ 


b- 


CO 


OJ 


CM 


r— « 


IQ 


CM 


1>^ 


CO 


rH 


^1 


OS. 


OS 


t^ 


CO 


OS 




۩= 


c+a 


vo" 


b-T 


00" 






r-T 


co" 




-*" 


r-T 


۩= 


Ck 


<m" 


CO" 


3 






۩= 


CM 

4-i 


m> 












CM 


c+2 




?r-l 


€©■ 






b- 


CO 


1— 1 


rH 


10 


CO 


CO 


OS 





rH 


rH 


CM 


O 


O 


OS 


CO 







CO 


b- 


r-l' 





CO 


CO 


1—{ 


CD 


•* 


OS 


OJ 


CO 


VO 


CD 







CO 


10 


vo 


CO 


CO 


T* 


CO 


CO 


OS 


J-\ 


rH 


CM 


w 


O 


•c 


rH 


03 


OS 


CM 


CO 


CO 


t^ 


CO 


b- 


10 


OS 


O 


IO 


t- 


CO 


OS 


■rH 


GO 


<B 


CO 


CO 


OS 


b- 





'HH 


00 


!>■ 


CD 


Hi 


CO 


t~ 


CO 


rH 


CD 


CO 


TO 


rH 


b- 


CO 


rH 


H 


CM 


CO 


rH 


O 


CO 


CD 


r-i 


rH 


t~ 


CM 









ctj 






























<i 


H 


OS 


CO 


»o 


rH 




CO 


IO 


rH 


r-\ 


CO 


CM 


VO 


os 


CO 




۩= 




۩= 


CO 

ef-l 


rH 












CO 


c+2 


m> 




m 


rH 













O 


O 


O 





O 


O 


O 


O 


10 





O 





O 













O 


O 


O 





O 


O 


O 


O 


t^ 


10 


CD 





O 













O 


O 


O 





O 


O 


VO 


CM 


CM 


t- 


O 





O 


ffl 











O 


O 


O 


10 


O 


O 


IO 


CO 


CO 


CO 


O 





O 


s 








vo 


O 


O 


O 


CM 


O 


O 


OS 


CM 


rji 


b- 


O 


vO 


vo 


'S 


vo 


CM 


CN 


O 


cs_ 


CO 


CO 


IQ 


co^ 


OS 


CM^ 


rH 


t^ 


O 


1>^ 


l» 




۩= 


c+« 


r-T 


p-l 
q-l 


icT 






co" 


r-T 




r-T 


c+* 


۩= 


vo" 


rH 




S3 






• 












rH 





















r— 1 








bJO 


hO 




-u 




1— 1 




r— 4 








33 













;-, 


t-l 




co 




O 




O 








c3 



O 





A 




rt 


fl 


fl 


fl 


CD 


fl 


O 


fl 


O 




fl 


fl 





fl 


Qh 










rQ 


rQ 


O 


1— 1 





Qh 


O 


P* 




O 


O 


Hi 


p 
O 


H 

CD 

t> 

• r-l 





co 

• rH 


T3 

rH 

O 


3 


a 
w 


fl 
O 


O 


fl 
O 


CD 


fl 



CD 

> 

• rH 


CO 

f-H 

o3 


fl 
O 


fl 





H 


J 


^ 


Ph 


r-! 


W 


r-5 


u-5 


rA 


^ 


r-3 


Ch 


Hi 


rl 
























CD 
O 
















CD 


















r— ( 

n3 








CD 

— H 
'-P 
fl 






• 


s 


• 


• 


. 


• 


• 


• 


• 


. 


o3 


• 


CD 


• 


o3 
u 


• 







HI 






CD 
O 




bO 

. r-t 

fl 








fl 
O 
T3 




rfl 

co 
03 

CD 

fl 

r-J 

TS 
fl 

fl 





t-l 
CD 


CD 
O 


Oh ' 

a 





* 

o3 
O 

a 


bJO 
.1-1 
0) 


Pu 

c3 

rfl 
CO 


a 


• r-l 

JH 

& 

[ol 

"p 

a 
a 






CO 

a 



CO 
CO 

ce 
#r 3 


a 
p 

m 

bJD 

fl 

rQ 


rQ 

cf 
bO 

fl 

rQ 


"cl 

S-t 


p 

• rH 
rfl 
CO 

c3 


++ 

CD 

P-H 

• H 


fl 
O 

fl 
o3 

r— ( 
O 
O 

Oh 


CD 
O 

H 

o3 

r- 
fl 

00 

co 

< 

fl 

O 


CD 
1—1 
O 

O 


-0 

a 

o3 

rfl 

co 

• r-l 

J-H 

PQ 

— ■ 


C 
o3 

fl 
co 
co 

fl 

rH 

CD 

rfl 






'-+3 

• rH 





fl 


a 


a 


Oh 

a 

H 


O 

fl 
c3 


fl 


3 


CD 

• rH 


fl 


K-5 


T3 
fl 
O 

r-3 


rH 
H-= 

V CD 


+3 
O 


O 



1880.] 



INSURANCE COMPANIES. 



393 



tO 


o 


IO 


CM 


© 


to 


to 


to 


o 


CO 


CD 


co 


CO 


^H 


CO 


TM 


CO 


CM 


CD 


CO 


CO 


OS 


"^ 


co 


CO 


to 


to 




















tO 


CM 


CO 


O 


co" 


b- 


CD 


OS 


CM 


b- 


CM 


CD 


b- 


co 


CM 


b- 


CO 


b- 


OS 


CD_ 


to 


°l 


CM 


CO^ 


CO 


CO 


l-H 


^4 


T-H 


c+2 


CM 




co" 


c+^ 


۩= 


r-T 


a 


<§© 




۩= 


sin 


<!€>= 








CO 


tO 


CD 


Ci 


CO 


to 


b- 


CO 


tO 


o 


o 


CO 


tO 


co 


TtH 


CM 


tO 


CD 


CO 


o 


CM 


b- 


OS 


OS 


i-H 


T-H 


CO 




















Ci 


o 


CO 


to 


Ol 


OS 


to 


CM 


CD 


CO 


CM 


■<* 


T-H 


CO 


o 


Ci 


T-H 


CS 


© 


CO 


tO 


tO 


CO 


CO 


^ 


^H 


T-H 


T-H 


i— < 


c+3 


or 


, • 


•^r 


c^ 


^ 


I-H 


• 


۩= 




§©= 


«*H 


^©= 


























a 


















CD 


CO 


CM 


b- 


CO 


CO 


o 


— 


T-H 


CO 


o 


CM 


OS 


b- 


to 


CO 


CO 


t-H 


CO 


Tt< 


OS 


CO 


LO 


1—1 


T« 


cs 


T-H 




















b- 


o 


tO 


CO 


to 


CO 


T-H 


CM 


t-H 


t^ 


CD 


o 


os 


b- 


CO 


to 


to 


o 


o 


CO 


b- 


00 


b- 


Tt^ 


CO 


-*l 


b- 


cm" 


CM 


c+a 


T-H 


ocT 


co" 


c^ 


m= 




M 


$& 




۩= 


^ 


۩= 








g 








4H 










T-H 


T-H 


CM 


o 


CO 


CD 


CO 


o 


tO 


T— 1 


CO 


tO 


^ 


00 


CM 


TJH 


CO 


b- 


OS 


to 


CO 


CO 


CD 


CD 


"^H 


b- 


cs 


to 


CM 


b- 


tH 


CM 


CD 


"rH 


to 


cs 


IO 


CO 


T* 


CM 


"*l 


i— 1 


CO 


CO 


o 


CO 


CS 


CO 


°i. 


©_ 


t— I 


T-H 


rfl 


b- 


li4 


<5©= 


c+* 


cm" 


rH 


to" 


cm" 


۩= 




a 






۩ 




T-H 


c^ 






b- 


OS 


"* 


b- 


CO 


OS 


CD 


T-H 


CD 


Tti 


CO 


b- 


CO 


tO 


b- 


r^- 


T-H 


CO 


CM 


CS 


CM 


CM 


iO 


b- 


CO 


b- 


o 




















CO 


CM 


CO 


T— t 


CO 


^t 


to 


0O 


T-H 


CO 


OS 


to 


CM 


1— * 


CO 


CO 


T-H 


t-H 


OS 


°i 


o 


CO 


CO 


to 


to 


OS 


rh 
















۩= 




CM 


CO* 


T— 1 


tM 


CS 


CO 


Ol 


T-H 




<§©= 


c+2 


۩= 


. 


CI 


c+i 






M 








5h 


€^ 








a 








«tH 










o 


o 


CO 


co 


O 


tO 


T-H 


o 


o 


o 


o 


1— ( 


CO 


O 


CM 


b- 


o 


o 


o 


o 


OS 


o 


O 


b- 


tO 


o 


o 




















o 


o 


T— 1 


tO 


o 


b- 


CM 


o 


o 


o 


CO 


b- 


CD 


IO 


^H 


CO 


o 


o 


tO^ 


CD 


c+2 


CO 


t~ 


rJ^ 


CM 


CO 


"* 


r-T 


m 




^©= 


ocT 


T-H 


c+? 


3§= 




r±4 








fH 










a 








e+H 






















^3 






bp 




Pi 


T— 1 

o 

o 




l—l 
O 
O 


5 


[3 


o 


r& 


•J" 1 


o 


& 




Ph 


rO 


rQ 


a 


l—l 


p 


T3 


CD 


CO 


s 




g 


o 


ct 


o 


o 


• 1— 1 


Jh 

c3 


• rH 


'd 


c3 


5h 

o 


s 


fc 


1^ 


►J 


P-l 


^ 


w 


ffl 


H 














++ 


















i-H 

O 














co 

13 




• r-l 
•4-3 

525 




* 


• 


• 


O 


• 


a 


• 


^ 


• 


d 
aS 

Jh 


c 
ce 

a 

53 


2 


d 




O 




3 




o 


i 

r/j 

CO 

<5 




co 

a> 
o 

a 

ee 

CO 

i 




o 

l—l 


a 

-I-' 

a 


& 

co 
■/. 

< 


O 

-4-1 

•— 




§ 


a) 




-/; 

-*-■ 
O 


i—i 
co 

JH 

3 


fa 

co 


o 


O 


p 





a> 


o 


l| 




fc 


fc 


Pn 


a 


PS 


r** 


EG 


C-H 


p^ 



6fl 



50 



INSURANCE COMPANIES 

OF OTHER STATES AND FOREIGN COUNTRIES 

(EXCEPTING LIFE AND ACCIDENT COMPANIES) 

Authorized to do Business in Massachusetts, with the Agents 

acting for the same, and the amount of business done 

and Tax paid by each, for the Year ending 

Oct. 31, 1880, as returned to the 

Tax Commissioner, and by 

him compiled. 



396 



AGENTS OF INSURANCE COS. [Dec. 31, 



8 2 >* 

« £ c3 

h a ^ 

a «5 

CO 0) f-i 

£ 5 <* 

S * 2 

^ <a ^ 

«+H CO rj-j 

® „■» SP 

^ C; ^ 

,-j 43 t> 

= S3 CD 

<y a 

0) 



8 crt 

ft m j3 

S ® 

T -fl a 

CD 

r-j O 

2 3 



cd 
^2 



■d 

C3 



CQ 



ft 

43 I 8 

a; o 43 
o> o 

^ s . 

a ft -»3 

o ° 

a 2 « 

a rj ^- 

-a n 

co fa* "-* 
^ ^ ° 

* o S 

« i .s 

d ft © 

I * 
ft 8 a3 

g .S 

a o > 

• S c3 ^ 
43 <D ^ 
O sh O 

a o "- 1 
>,^ >^ 

a ^ a 

« H * 

ft 1 a -1 

a w a 
8 w o 

8 S^ 

1 ^ " 

^ o 
o 



a 

CO 

.3 a 



c3 



•4-1 

c 



CD 

a 
b o 

W 43 



H O . 

fc H d © 

>< £ 43^ | 

Q3 a a _\ 

o oj a 



pjq # w <3 .73 
'g ® ft 

6*3 •s 



o O 

43 

43 ^ 

a 



•S 

-a © 

43 ^. 

CO ^ 

a s 

o is 

CO ,o» 



a s 

O <u 

a> "^ 

4^ _g 

«- , ~o 

CO O 

43 <i) 

a "^s . 

^ s g 

•S ^ ^ 

CO Co **^ 

<D ^ ^ 

a cd <w 

E M ^ 

ill _co ^ 

"d :+3 •« 

i a ^ 



CO " 

a ^ 

a 3 

cp 2 



s 

e 

s 



^ a s 

g ft « 



. O 
O O 

co 

a 
o 

ft CD 



c8 -S 



a ^ 

co -^ 

.a © 

43 »> 

C3 CD V. 

bo ."g ^ 

c3 o 



CD 

43 

43 
CO 



s 






ce M 

O 43 Q 

H ft^ 

43 ^ 

43 eo 



co 
H 

o 

Q 
|zj 

o 

o 

o 



HCDeOOCDOOOiOWrHOOiCTNQOOiO 

COi-HCMCM rf y-H r-H CO »— I CO (M C) r-l 



aoNcooooojmoiowooiCN^HCM 

©0'*OHOi03COH(MOOC005i*MO'* 

OeOrHOOOCOQOIODIXM^OCCQOmCM 
OSCMCOI^OjCOt— lCD05TfH'<*(M'^WO5iHl>. 
>OCO(NMHONOHC>JN(MiOHr-iOiro 



۩= 



cq 



rt< 



OOOOOO^OCOOOOOOOCOO 
OOOOOOCOOCOOOOOOOCDO 

OC0OOONQ0C5®O'MOOON^S! 
WOOOOlMO'-i'OOJHifJINiOONCSOO 
HN^O^COiONW^OWOhOhO 

t^oo L^cTocTc^c^^ccrco^t^co'orc^ir^co^ccr 

N^QO)H^^i©NHCOH(DHOCOW 

i— I j-H CN CO i— I f— I r- 1 

<5# 



a -^ 

a bjo +3, a 

'd 'So ?^^S ci a ^-^>,g 

^S-Sa^a^co^^^^^-^^^^"^ 



►< 

s fe 

siri ■•"■a* 'j :i^I&' m i 

>5 i a" & g 6 -|.|| I S „-J J g* s - § 



1880.] OF OTHER STATES AND COUNTRIES. 397 



HOOiOCOOlOOOOOOOO^COiOCDIMCOOOCOeOlONCl-MOOCOCO^O) 
TJilO^^^^KllOr-driCOi-n-lr- 1 1>- CM t— 1 O CD 05 OD ^1 ^1 r- 1 O lO "*> O T" O 

05COWCO , <#CDCONH^(M01>0'*^(MOO'^a>OOHlOOOCDiO(MNN 
i—i OS CM i— 1 CM *^ CO CM CO CO CM Tf i— 1 CO CO t— i !M h 

r-i tM 


lOOtMOa-wiO^HW^NiOOOiOCOOHNH^OO^OOOiOCaOliOCO 
lOOlOO^QHr=(OOOOCO(N!MOOCOl0 000500^QOCDr-iOCOrilO>-iH 

005(NMTtl05lOiOOO©0505NNNrHCO^eONH(NMO(MOO'*H(M^-i 
N(MN(M!M^HNWNMOLOOCOCDOCOWTiiffi(MNiOO(MNONiO 
^^COOC^MCOCOiOOlr-iOMinOJOHOOWrtHTfiiOC^QCOOlCDmQO 

Tji t— 1 T— (GMt— It— (t— tCOi— It- i— 1 CO O i— I 

CM 


ooooot-oooooooooooooooooooosoooo 

OOOOOCOOOOOOOOOOOOOOOOOOOOCMOOOO 

OOiOiOOCOOOiOiCOiOr)<lO(MiOONO>O^OOOiQaOG^O 
OiOlMNO'-iCOCOONC-lNOOrHCDCOlOOOMMCDlOOONlM-^COOi'^lO 
COO^N^OlOJOJiOOOCOQWOQCOOOOaDCMW^IMOOiOiMMH 


lOOOiO«DONO(X)TtiLOO , #(MQO(M'*HMaiMOOOiiOrfQO(>)OOCO'^lO 
CO'*»0 00(M(MOWtOCTHairHCO'HNH(Ml>COiOCOiO(MNr-i(N(M(NN 

Tfl i—l CM r— it— It— 1 CO GO T— 1 CO i— < t— 1 

co~ 












Hinsdale . 

Winchendon 

Provincetovvn 

Haverhill 

Beverly . 

Chelsea . 

Plymouth 

Quincy . 

Ayer 

Palmer . 

Foxborough 

Abington 

Athol 

Newton . 

Watertown 

Wellesley 

Easthampton . 

Holyoke . 

"Webster . 

Charles town 

Springfield 

Ware 

Westfield 

Hingham 

Westfield 

(Greenfield 

Wakefield 

Boston 

Maiden . 

Hopkinton 












Francis, L. M. . 
Fuller, E. J. . 
Gifford, James . 
Goodell, W. S. . 
Gordon, William R. . 
Gould, Jesse, & Son . 
Hall, John T. . 
Hardwiek. John 
Havward, E II. 
HeUyar, S. H. . 
Hodges, Charles XV. . 
1 lowland, F. P.. 8f Sons . 
Hunt & Hamilton 
Hyde, James F. C. . 

raham, XV. H. 
Jennings. Albert 
Johnson, C. B. . 
Johnson, R. B. . 
Johnson, Waldo . . 

adall, Isaac B. 
Ladd Brothers & Co. 
Lane, Otis 

raard & Lyman * . 
Loring, George A. 
Lyman, Herbert f 
Lvons, Samuel J. 
Mansfield, J. D. 
Mercer & Whittemore 
Merrill, Charles 
Meserve, Clement 



fr 



398 



AGENTS OF INSURANCE COS. [Dec. 31, 





OOOOCOO)<MWW(MONCOOOJO | COHiOOO^Q(M^ , *(M,'*05 

O i— 1 CM i— 1 CM CM CM CM 0O(MHH CO H H CO CM CM CM (Mm 
۩= 


> 
'53 
<t> 
PS 
w 

a 
1 

(-. 


lOOCOCDOlOiONCOHlOiOOOCDOOMOl'fCOincOQQCCKMO 
CNNNCOiOWNMOTtKMNOCNOiOCOOSCDCD^iNWiOXKOCN 

THOOSNOOj'OHWCOOOrHHHOOCOmcOlMCOtOM^'ON 
05'*CDr-COrtCOf-iOC005mMOOOCOOC']00)tMTtlCON(MM(Mai 
i—i 02 C>^b- CM (MlMWOlOlrHONCiOJOiONTriCN r-i M O_00 Ol^L"- 

>CtH i— ( i-i i— ii— i rti i— i rfi rH i— i i— i i— i i— ( 


03 
t-i 

to 

C 

e 

O 

s 
< 


CMOOOOOCOCOOOCOOCMOOOOOOOOOOOOOOO 
OOOOOOi— iCOOOOOOCOOOOOOOOOOOOOOOO 

t-HOiOif?OOOOOOi-OCOb-CO»0 000»OOOOOiO»OiOOh-0 

HCOOTOC'I'MONWOOriNiniOIMOjOCOOOCOOCIO^O 
CDCMQOX^lOC01<OOH(MCOmt'CONi-iCIOGOaNO'*OlM 


OWOOJCCiTHHCD'-iONroCSCOMNOQONOJW^aC'IOlM'M 
©10 050CN CriCOWHHONOSWOCOCDNrt CDOOOlHb. 
rtf i— i i— lr- 1 i— < CO «— i rh -^h i— ii— ii— ti— ( 


03 
V 

a 

to 

43 

M 

■d 

c 

03 

.2 

O 

o 

Hi 










Salem 

Yarmouthport . 
Milford . 
Methiien . 
Stoughton 
Edgartown 
South bridge 
Woburn . 
Brockton 
Attleborough . 
East Weymouth 
Lynn 

Fall River 
Andover . 
North Brookfield 
Stoneham 
Gloucester 
Clinton . 
Hudson . 
Lawrence 
Rock port 
Lexington 
Amherst . 
New Bedford . 
North Adams . 
Ilolhrook 
Fitch burg 
Waltham 


73 

Yi 
W 

u 

ft- 

o 
o 

o 
S3 












Nichols, C. S.,& Co. . 
Otis, George 
Parker, George G. 
Parker, James 0. 
Paul, Abram C. 
Pease, Joseph T. 
Phillips, Elisha M. . 
Porter, B. T. H. 
Puffer, Loring W. 
Richardson, (). P., jun. 
Sherman, Joseph 
Silsbee & Pickford 
Slade, John P., & Son 
Smart, Joseph A. 
Smith & Skerry 
Smith, Henry A. 
Stacy, S. A., & Son . 
Stevens, Charles G., & Son 
Stratton, Daniel W. . 
Swan, Albert D. 
Tarr, J. Truman, & Co. 
Taylor, George W. . 
Thomas, E. A. . 
Tillinghast & Alden . 
Tyler, Edward D. 
Undeihay. John 
Upton & Willis . 
Yiles, Daniel F. 



1880.] OF OTHER STATES AND COUNTRIES. 399 



OrHOWN^HM 
OOOCOMr- I CO CD CO 

•f o cm >— i oo i—i co 

CM 



CM 

H 
CM~ 



OS OS 

■<*• O 



CO 



O 

T— I 
6^ 



eoaooooioaoocoiMioo 

(MN05QOTOOM'*i0003H 



CD tJH CO -# 
€^CM OS 



>C N ■<*! ■<#•<* >C (N 



OOJO^OJOWO 

lOCDOOOOOO'- 1 
^ (M 05 N a> (M (M (M 

■^OrlHlO^COOl 



CM o 



-* 1—1 



CO 

co 

CO 



CO OS 
CD CM 

CM lO 

CM CO^ 

of cm" 



CM 
OS 

CO 

b- 

<§©= 



NOOiOaOOO^^MM 
COt^OJr-lHCDtNCONONH 

i— tCOrJH-^HCDOlCDCMOJOOiO 
W(MCONiONCOOJW(NNH 



oooooooo 
oooooooo 

OHOOiCNOCO 
(M N O W O iO O CI 

■* ri O t> Ol «* Tt< Ol 

CO CD CD © O of — h cd 
10ChONO1>00 
CM OS i—l Tfi i— t 



-ll« 






CO 


o o 


o 


1— ( 


o o 


iQ 


CO 


o -^ 


T— I 


b- 


b- -H 


CO 


T— I 


i— i Oi 


o 








CO 


b- iO 


co 


CO 


Oi CO 


CO 


f-— 


CO CO 


1^. 


<* 


۩ 


m 


y—t 






€£= 







COOOOOOOOOOOO 
COOOOOOOOOOOO 

COOOCDOCOOOCOOiOO 
CO lO O N (M O O iC OJ O O O 

COOOOOOJiOCOCDOOOCDN 

co" co -^ b-^ oI ud cd *d co od b-^ b-^ 

ClO(NNTJlCOCMr-iHHCO 

3^ i— I CO 



o 

o ^ G 

D_ Ph •SO) • • £ 

■*■> >Zi £ "T « C M K -i 



5zi 



h c 



_, w o 

.— • O O 



o 
-a 

a; 



CO ^ 



c3 






CO CP 

G M n 

£ S| 

i~~^ r^ >-- 



CC^h^^CQcO 



c co 

O -M 

ce "^ cs 3 



P3 



a 

o 
hi 







w 












. 




J2 




'T! 




h 






;— i 










(1 . 


0> 




►— 


B 




— 
— 
EC 






be 


o 


r~ 


r* 




t. 


GO 


>d 


« 


s- 


X 


— 


CO 


9J 


— 


_ 


-^^ 


X 


— 


3 


~ 


■*-* 


— 


~ 


_^ 


^ 








i3 






ho 


'c3 


K 


/. 
1 


' 2 


' 2 


— 




^-< 


















Bj 


— 


p< 


•"*■ 


>< 


E£ 


"^ 


»" 



^ 






y. 






< 






^ 












<, 






o 


• 


• 


w 






o 




• 


&5 




-i— ' 


<d 




~-l 




■ — i 


a> 


— 


^ 


m 






u 


a. 


a 


^* 


/; 




-^ 


i — 


o 


^ 


y. 


^ 




< 


SE 


b9 


oa 


o 


JE 



^ 

a- 

S 
O 

o 

it 

y 

< 

C5 
£3 

CO 

i—! ! x . * d ' ►>! * 6 

^ fcO o O & o 

O 3 e g .. . 5^ d a ^O 

< S - "a ^. ^ ™ »2 s ~° 
o t^'C S » £ J - c« 5 ^ & S ~ 

of b ed n C t^i c -^ Z— " -* <?! i — ' 



400 



AGENTS OF INSURANCE COS. [Dec. 31, 





OtH^ 


rH 


b- b- OS 


CO 


CO 


QCOlCOOO-HHODCOONiC 




CD rH LQ 


tH 


00 CD rH 


o 


OS 


C005COCMiOOCMrHCM»OOCO 


. 


CM b- rH 


O 


rH OS rH 


OS 


!r- 


NOHOOHlO^iOOOHH 


M 


i-H 


CM 


rH r— 1 r— ( 


b- 


CM 


9&rH rHrHrHr-irHrHi— (r-lCM 


En 


۩= 


CO 


€^ 


۩= 


rH 


CO 




۩= 






۩ 




•d 


05 10 


IQ 


CD rH lO 


CM 


iO 


10tH(M05HiOOOOCOi0 05 


£ 


CDCDO 


OS 


iMrtH> 


rH 


rH 


OiOCOCDrirHOOirHCOOt^ 


'53 


(MHS 


CO 


CO CO rH 


rH 


OS 


COrHrHGOCOrHl>.»OrHCDOirH 




CONt> 


O 


rH CO CM 


iO 


OS 


CDCDCDOCOOOOrHr-iCOrH 


CO CO 


© 


CM OS b- 


O^ 


CO 


CM>OrHCOCO»OrH>OCO>OCOt>- 


00 

s 


3§= 


cd" 


cm" 


CO 


co" 


^rH^ 


3 




»— 1 


§§* 


۩= 


۩= 


rH 


s 

(h 

Oh 




۩= 














<H|« 












o o o 


CO 


o o o 


o 


o 


ooooooot^oooo 


r3 


o o o 


CO 


o o o 


o 


o 


OOOOOiQOCDOOOO 


0) 


o o o 


o 


CM CO lO 


iO 


o 


lOiOOOiONOr- <oooo 


a 


t— OS >o 


CD 


CO CO CM 


OS 


lO ' 


NNiOOOiOiOOJiOOOfM 


a 


H©CO 


00_ 


r-^t- rH^ 


°1 


o 


CDrHr-ioOCOOCMOSXCOCOCM 


HH 


• ofrHcd" 


o 


CGy-*C2 


cT 


t>r 


HH^tOHCDiOOOOON 


JH 


b- rH 


CM 


b- rH rH 


CO 


rH 


CMl>-rHCDrHCDrHOrH>OCOiO 


3 


m 


°t 


CO t— 1 rH 


CD 


CO 


§&tl OS 


o 






©^ 


۩= 


r* 


** 


g 




r-H 






rH 


rH 


<{ 




۩= 






§& 




s 

a 


. . . 




. . . 




• 






« 


• 










# 


■a 












c 


£ 









. 




9 n 


a 


. . . 


^ 


. . . 


>H 


• 


a> o . 


Pn if 


o 




{25 




fc 




.«* .2 


o 


2 • 

0J -|j 


r« 


0> 


tH 


• 


■^ "tH * ' ' , ^-HrH_ 1 "S 6 * 






tH rt <D fl 

r O O o 

P- to O ffl 
« Ok O 


o 

(Hg 

> CO 


r^tZ^ « °^ °-5 rV.t? ^8 ^ -13 




. . . 


to 


. . . 


• 


• 




02 




s 




h 
a 

-n 








o 












H 








Ph 




O 








q 




& 




o 




o 


fc 




«! 




o 




o 


<{ 


. . . 


M 

CO 


. . . 


w 


. 






>- 






o 




o 


fc 




£ 




P5 




!<5 


^ 




>— ' 









*< 


Oh 

O 


6 
O 





d d 

6^0 


03 




J? • • B cxM -^ <y r • i> O O 'r^ 


a 

En 

o 
a 


CD 

p ~ ~ 

^"' O C/5 




* o 

to a 




n3 O o 


< 
o 


Ph <u cS 

3S3 




o 

H 


TO 

a 


<)) H 7) H j_T rrt i ,— 1 ^S ^ O <-i r*> 

5ci?3^cJO^O^o 




s 


w 

s 


H 






< 




<5 




<5 



1880.] OF OTHER STATES AND COUNTRIES. 401 



OOOOtHOOOOQHOIH 
OOTOOhOOJCDHCOXiO 

(MHH CM r-t i— I 



CO 

o 

CO 

CO 



© © © CO CM 
© © tt! CM "*l 



© LC lO OS 'dH 
€©=CO »-l CM 



CM 



UO 

CO 



۩= 



C CO 00 N UO CO 
© i— I CM CO © CO 



<rH OS CM © CO © 



© 






^©= 



NCO©OJOHCOiOOOMOH 

©cot— it^io©©Jr^cot^co© 

CM©CM , *+'CO'-^GOCO©COCOCO 
rtit^»OCO©CM©©©iO©00 

O0COCO(Mr-(l>Hr- ( f-t lO ^ 



CM 

© 
© 



CM 



© CM !>• CO CO 

O (N O O H 

© © © i—i .—I 
CO CO b- © CM 
^CM^b- ^ CM_ 

t^~ r-T 



© 

CM 

© 

CO* 



CO © © CO !>• "«*( 
CO © © !>• CO © 

rtl 1>- tH CO CM rH 

tji O i— < CO © «*• 
CM © © © © lO 

^ co" 



© 
© 



CO 
CM 



1^ 



©©©©©©©©©©©© 
©©©©©©©©©©©© 

©10©©©©©©©©©C0 
t>-COGO»0©CM©*OiO»Oi-OiO 

WCONMiOCOIMOOOONCO^ 



co 



©©-*<©© 
© © CO © © 

© CO CO © © 
© ^fi !>• CO lO 

rt" © © © © 



0©©^f©00©CO^HT^l>.r^ 
© CO CM CM CO CM rH rH CO tJ< 



cm~ 



Ol © © t^ © 

#§=CO CO lO © 

CO CM 



CO 

© 

© 

CO 



© © © © "^ © 

© © © iO CO © 

© lO lO "^ © CM 
© tH CM © CM i—l 
i-< CM t-~ —" © CM 



CO 
CO 
CM. 

J— I 



© CM © iO © CO 



CO 

© 
© 



GO 



<-" rH O rrj 









d -4-5 r£ CO 

>> CO > -g r^O 

a> © g g a 



O 0) 



M CD 

a> co 



o 

co . 

O c3 



O co 



fc £ m ^ P* cq 



O S-i 



CO 



CD 

bo,, d 

d C S O 



o 
6 

* CD 2 ^ ' [> • • • • M • ^ 

c &4 So o> a 8L«g . - . A 

-i — c -o x •/ g a o3 1 

rr r^d/^Jii > S ^ - cr — «- ~h 

51 



Cu 

M 

o 

r* ° s o • 

sly M$ 

bj a 5 fe h s< 

g Q fi ^ PL, pLi 



O 

o 

K 
Q 
y A 

< 

K 
P 
co 

fe 

M 

W 

fc 

s 

^ ' 6 • ' • * 

5 -*| -*^ 

K rt j; I' 1 cd JJ d 

g * -- g cq «" « 
g $ o g ^ o a 



402 



AGENTS OF INSURANCE COS. [Dec. 31, 



Ci 



CDNN"*HM01COCON-iON^iO'^QCOOC')00'*0 
r-i Ol OO OJ Q Q O O UO >* C3 rr CC O Ol OO O CI N CC CO 00 O (N 



^COOOONHHOHtMN 
^CO CM i— ( r-l 

CO 



CM CO CO 



CM CM co CO CO CT> CM 
i-i CM 



m> 



co 

°^ 
cT 

CO 
CM 



00STHifl(M^iOC0(M>nK3N(MQ0OCDNONH01'*NN 

Mu0M05i0CDCMOr-(NCD05i0>0Nl>OTO^riaOC000 

COTOCOr-HOXiC0005CO»0(MWO(MH03'*05000'-iOJ 
OrH-ti^rfiQb.CSNN^NOO'-iQfi-ieOi-iCOOkOH 
CM •* C5 O OT CO Th CDMOHOir I »— I CD CO CO ri rfi H 



o 
o 



co 
co" 

OS 
OS_ 

co" 



ooooooooooooooooooooooocoo 

OCIOOOOOOOOOOOOOOOO^OOOOCOO 

O-^OiCC0-^HOO>0OOOOOOOOO!^->0O'0C0»0 
iO CI C CI r-i O O O N C 'O LO O O O O iO i!J CO ?l O « iO N 
^CiOQOJOrrl^rriOOTCOrHOClQCOMaCMaiNO 

N w n a d ^ co' co" rn' »o o o" w" a n m q n d >o co ^ cf ^" 

hO(MOC3h rfl IOCOIO GO i— I CO CI CO r-( Tjl H 

€^C^ i— I r- 1 . . t— i 

co" 



_ o 

S 5 g % ^ = 5 * .3 g, s o » o g ■ I £~ 05 -3 k « o £ g 



o 

© o 



5 g. . . 

o . 5 ■•.-•• 

5 • I • -• 

P S a 6 5 

t>> « =3 . S j^* S,o ixS ^O .eenSk . •^■F!^ r 

- ,. ojai^C^-p^aS^i r H-> it 3) ci 2 o ^„r:>*H 

f a K © '-2 v'ra i^>= „ c P a> 5 'S3 '' = £ >> 2 n-Tr-r o c £ o 

^o h <s (i)^ o ^ h.s o« s o o d o i; « « o s d-S.H o5 

< PQ 



1880.] OF OTHER STATES AND COUNTRIES. 403 






CO00lO*OTHCMr-IO5 
CO rirlH 



© ■<* t^ o oo 



t>- (M N tH tH 00 H H 

"*l O O OO © TjH r-i O 

O rfl |^ CM CO i— i CD 00 

CM HHHHOWOJ 

t~ ۩= <M 



h- 


rH 


^ 


"*cH 


CO 


CO 


CM 


r-H 


CO 


i-H 


۩= 


€£= 


t^ 


i— 1 


CM 


CM 


CO 


(M 


h- 


t» 


i— i 


co 


CO 


lO 


1— I 


€£= 



OQiO^iONHOOOONOlOCO© 
OW"*HN(N^iQ©005HlOi003 

O^OOOOiO ^H CO CO CD CO Ol N ^ N 

(NCDHaN^COOCJli- '030OT- 'CM 

CO^t>-J>-l>-T-( "31 -<Ti CM CM »0 -^ 



CO 
t^ 

CM 

O 

ccT 

CO 



CJ O M H O CO lO 
© O i— < 00 © CO CO 

O CO CM CO CO lO O 

OIOtHQiNOO 
NCOCDCDOOO^ 



۩= 



O O O O O O O O O O rH O O © O lO 

OOOOOOOOOOrHOOOO CM 

OOOOiOOOOOOOHOOOH I— 

©t^O©CO©iO©©©COCM©t>.CO CM 

OOOCDThiOCNTriOOOiOOCKtH CO 



(NOOTOrHOiOiOOHHOOWN^ 
^TtHt^O500^-l CO lOHCClO"* 



©©©©«*<©© rH H 

©©©©00©© 00 CO' 

O O CO CO 00 O O I N »o 

O LO CO OO CO O O CO rM 

© t— i 00 CO O H ^ © © 



© 
00 

co 



C5 00 © © Ol t^- b- 
iQ t>- CO O © iO Tfi 
§& COHrl 



CO 
OO 



© 






.......... o 

£ ho .9 o g 

£ £ ^ ^e o :£ iz: -^ re n re ft o o & 



O 

13 B 
cq c» 



CO 

■4-5 



_, »3 Q 



CD CO 
C-> •f-t 

CO £ 



2 

'a; 
cd 
be 



o3 O hft 
~02 



O b»- C3 U p>" 



* 
fc 



<re O 
&■% 
S O 

pqpq 



s 

"fT 

co 

PQ 

CO 



o 



2 no 

s ^ 

^3 » 



re 



a p 



*— CO 



cid P=H 

O CO 

O M 

=Q cd 

OPh 



fcx h 



7= 

CO ." 

35 _r 

^^ 

K CO 

PhPh 



02 . 

02CC 



•J 
§ - ^ Q .S 

~ " c £ S 

Tj p r 1 oj O 

ggo2HH!> 



-< 

o 

o 

w 
o 
fc 

P 

^ fe!B . ■ • s 

aj o d . a re • 

U - O . H^ q; ^«^ 

- rj <jj „pq co 

£ %^% £ fe ^ s 

g Q Q Ph co 02 ^ !> 



o 
o • 

H 
O 

kn W3 



t3 


CD 

■+3 


co 


a 


M 


pq 


O 


en 


-1 


c3 


fe 


CO 




■+J 

02 


cq 





404 



AGENTS OF INSURANCE COS. [Dec. 31, 



^(MCOaU5iOOm(NM(»{OON(M50K5 0HiDOeO?J^^COO 
OiOiONOCOCOHO)l>QT)<^OiOCOOW'*iOOfO(M(MiOH(M 



~-l' V* I V^-/ W«> "^.^ ^-^ ^— ' *±ml \m** ■•'V ^-/ Vi-' ^i^ 

OiOiQNOCOOHWNQ^^ 

© !>• O © CO 1>. "rhlCOOO <MiO 
H i— I i— 1 t— I t— I i—( 

۩= 



©COQHOOiOHTHtDOON 

1 CO 1—1 t— I 1-1 T— I Tt< 

CM 




MiOHOOOCDOiOWOlN^iOrtlCTHrHON'^^OOOCDOCO 
HOOOOiONO>OOCOCOO]05iOCO^T^OC005 0HONOOa5COCO 

(NOCOaiMNONHCDOCOC'lMOCOtMiOONOHOHCOOOiM 
ON<MWOCDWOOWrjH(MNOO(M^iOCONNOQ-HH010H 
t-COrtl CO <N lO CO Ci Tfl OSr^lO NtJOCOOH 



m co o io w co 



CM 



OOOOOOOOOOOOOt^COOOOOOOOOOOt^t- 
OOOOOOOOOOOOiOCOCOOOOOOOOOOOOCD 

OOOCOOOOCOOOOOl^-'MCOOOOCOOOOiOOOCOO 
OiOOi— IOOO-— i © O © O CO CO i— iiOiOONlOOClMr- 1 lO CO (M 
COiOCO(NMCOOOOO(MCDTti'-iCOCOOO(MCOCO^i-iONNlCaO 

©moTo WoTcONco'oo'cO*NOffliH W>^©ofNCC05CO^ 

(M TH CO Ttt <M CO lOlOnJi lOHCOlOCOiO CO CM Ttl N Oi W O 



CO o 

bJO -£» 

» 8 s '£ S S .5 

<3 £ «3 >-£ Cce a; £ o£°~ c3 ^ £ c3 c3 cs :£ c :£ JH Cl -> o 2 =2 



a 

PLj 

o 

o 

o 

g 6 

s^^^i ; . • •»a« ,J3 * c S <j flr- ' § ^ ' o on • fe ' * 

.5 .rrt,w H ^0 . r^a - js 'M «« r-<> tf2 ,_: <j o c „ <p ^z 5 . 

•£ m!=3 ^ 3 ** $ c ^ ►» 2 n .? °P 5 ^ t^ --' C 3 ,c^J^^ 
^a < ^n^'tn--2t-T f - | ^-aja(iir-3r2 :: ;^ : -.-H (X1 ^ a)a)r ^ a ; „ m 

S *£ is ^5 1: Se 3 <s p^ a ^ ;=: £ a © 2 e;S^ : 3^«12 r £'S c^ c-=^ 
^<<<5fQPqPQMOOOOQPHpH00KH^»-]SP^^^PuPHpH^ 
o 



1880.] OF OTHER STATES AND COUNTRIES. 405 



ONOWOOQ^ 


CO 


CM 


CXIONCSO 


o 




CO 


CO 


■ tH CM f 


CO^iOCOCOttii— iOO 


o 


CO 


COOO CDNQ 


CO 




LO 


o 


CO ^ 


<M 00 lO CO OS iO i— 1 


IO 


t^ 


NOiOOtM 


r^ 




rH 


o 


"TH LO 




•tH 


rH 


r-H t?H. t— I 


i^ 




OS 


CO 


t& 




lO 


CO 


۩=tH 


T— t 




¥=* 


r— 1 






€&= 


۩= 




&* 






۩= 




lOOClHOJCOiOCO 


t^ 


OS 


i— 1 l>- CO <— 1 LO 


l>- 




O 


CO 


OS CO 


NNCDOOOOOCO 


i— 1 


i>- 


ON^«DO 


00 




co 


OS 


OS CM 


OiCONOOOOQOl 


rtl 


o 


C5 CM CO Oi iO 


OS 




CO 


CM 


,— 1 T-l 


HiMN-HOiNtOTH 


iO 


CO 


co rtn oo co -^r* 


1^ 




CM 


O 


thh t>. 


r- 1 -tH (M CO rfi CM 


CM 


CO 


OOOOlOi-l 


CO 




r~ 


o 


OJ CM 




l^- 


t^ 


^t>T 


00 




•* 


00 


۩= 




cm 


»— 1 




<¥* 




<¥=* 


۩= 






<&F 


۩= 














OOOOOOOO 


Tfl 


o 


o o o o o 


o 




o 


O 


o o 


OOOOlOOOO 


rfl 


o 


o o o o o 


o 




o 


o 


o o 


OOOOCMOOO 


»—l 


LO 


CHiOOlO 


LO 




t— 


00 


o o 


O iO 05 O O N UO O 


co 


H 


O 00 N CO O 


r* 




CO 


LO 


o o 


©W?ONN(MNO 


co 


CO 


i— i CS CO CO "^ 


o 




i— 1 


CO 


LO !>. 


N'*O105'NiO^N 


o 


o 


COOOOhh 


CO 




CO 


CO 


LO y— I 


CO CM CM CO (M 


t^ 


o 


NOi-I^H 


OS 




CO 


o 


CM CM 




CO 


IO 


mtr^ 


CO 




CO 


LO 


S& 




CM 


CM 




$& 




r- ( 


1— 1 






*z& 


€£= 








۩= 


۩= 








H . 






►h 


. 


IH . 


H • • 


O H 




£ 


o 




fe 




fe 


fe 


^ • •"& -«22 • 




1-^ * 






^ 


. 


M • 


^ . . 


reenfiel 

aunton 

xlmer 

ortham 

yer 

ew Bed 

^ringfie 

r ebster 




o 

^ CO 


Louis 
nn 
ston 
unton 
unton 
ringfie 




o 


O 
CO 


H 

o 


ew Yoi 

ynn 

mherst 




<U O 


-^ >-3 O c5 C3 q_, 




4) 


O 


a; o 


OHDh^^^CO^ 




£cq 


(BjfflHHa) 




£pq 


fcPQ 


K*K 












. 


. 




% ■ • 

< 

Oh 












►< 


• 


Oh 


s • • 






h 


{* 




y< 




o 


o 






* 


fc 




4 




o 








-< 

Oh 




Oh 

— 


• 


o • 


w • • 


o 




a 






c 




w 


o 

to 

Oh * * 

& co 
K So 






o 


O 




C 5 




u 


Spring, John F.J 
Sproat, Charles W. . 
Taft, S S. 
Turner, John M. 
Underwood, George E. 
Van Canipen, II. § 
Warriner, S. C. 
Williamson, R. J. & C 




o . 

w 
o 

y< . 

-< 

S g 

"«* 

fc.S 

N Q 


ITIZENS' INSURANCE C 

Boardman & Earp 
Carpenter, George 0. 
Hinckley, Joseph W". 
-i ikson, E. T., .x Co. 
Parkhurst, C. S. 




o 
y. 

< 

p 

v. 

*— 

K 

— 

H 


< 

-4-> 

-►-> 

09 

25 


p 

i— i 

EH 

g CD 

9E O 






O 


o 




o 




o 






406 



AGENTS OF INSURANCE COS. [Dec. 31, 



Tax. 


CM CM OS OS CO CO (M 

1—1 OS CO CO © CO CO 

ocoeo^b. co 

#& CO 


i—i 

CO 

1—1 

© 
1—1 


<M©COCO-*I©CM©©CDCMCOCO»0 
OTHNNCOOJMVOH(MO(M(Ma 

0505©i-H©t>.t^TH©'^i— 1 i— "COCO 
3& i— i »0 CM rH i—i CM 


© 
© 

CM 


> 

'3 

w 
« 

a 

3 

s 


O -H CO CM O O i— 1 
© GO rfi ->*i © CO CM 

CO t-H CM CO "^ 
CO* 


CM 

© 

CO 

©^ 
to" 


COLOb-©rtlrtlCOOiCOCO-+l©©CO 

N^osaiCNr-ii-iNr-iaiaicoiotM 

i005CONN>-0?D'*iOOJiOfHHN 
CO lO CO GO i— lOJCOtNiOi- 1 t>- CO i— « ■«* 
-rtlrJi'«tilOCOCOCOCMTtiCMiO»0'*iCO 

cm" *h i-T 


1>. 

CO 

© 

CD 

co 

© 
1—1 


-d 

V 

!-. 

1 

a 
o 

s 
< 


o o o o o o © 
©©©©©©© 

© © © H CO © © 

O O iO CO Oi o o 
CO ©^©_CX> CO>OH 

^co~»o~of-H co co~ 

CO rH tO CM CM 

CO 


© 
© 

CM 
i— 1 

iO~ 

© 
iO 


©©©©co©©©©©co©©© 

©©©©00©©0©©CO©0© 

©©HHlOiO©©©©©©©(MOi 

lOO-*OJ — lOOCO^Or-lO^Ol 
i— i CO Tfi i— (COOlOOJlOOTlOrflOOO 

CONON'HOCOOGOOUOWCO'* 
CDOTTJilOO^OT'HTPr- I CO CO CO CO 
€£= CO rH t-I 


CD 
i—l 

CO 
© 

co" 

CD 

1—1 


o 

CI 

a> 

S " 
'to 

<S 

-a 
« 

eS 

fl 
o 

+2 
c3 
o 
o 


u 

.1-1 

IS 




































Lowell 
Springfield 
Boston 
Worcester 
Great Barrington 
New Bedford . 






Albany, N.Y. 

New Bedford 

Lynn 

Salem 

Lowell 

Boston 

Boston 

Westfield 

Worcester 

Holyoke . 

Lynn 

Fitch burg 

Fall River 

Springfield 

Boston 




EG 

H 
S5 
W 

«4 

CM 

O 

o 

ft 
o 

H 


p 

o 

c3 








































< 




Coburn, Charles 
Fuller, W. A., & Co. 
Jordan, Lovett, & Co. 
Parks, Loren C. 
Selkirk, A. W. . 
Van Campen, Hiram 


Commerce Insurance Coiv 
Almy, Charles . 
Boardman & Earp * . 
Brown, Henry A. 
Church, H. C. . 
Clark, C. & M. . 
Eddy, Peleg E.f 
Foote, William H. . 
Grant, Charles E. 
Johnson, R. B. . 
Johnson, William F.J 
Lockey & Allison 
Remington, J. A. 
Warriner, S. C. 
Wass & Everett § 





1880.] OF OTHER STATES AND COUNTRIES. 407 



N O) ^ rH O iO LO (M -* O N N 



t-h (NO(M 

۩= CM 



CDQtM^M 



OS 


1^. 


T— 1 


to 


1—1 


.— ( 


1— ( 


CO 


co 


"** 


۩= 


<§£= 


CO 


CO 


Oi 


CO 


C5 


00 


O 


1^ 


lO 


o 






lO 


T* 


1— 1 


CM 


۩= 


€£= 



LOCiHOCOOlrH^Oi^ 
NQOOOtMCONCOH 

OONN^HOHQQH 
€©= i—l rtHHH 



OCOOCO-^CMOCMCMOCOO 

CDCOOOONNLOCOOOCDN 

GO -*i 1^ *— I (M (M W O ^ LO CO CO 
'#lO05'-iOONN00H'*L0 
O CO CO rfi CO Ti Tfi i— I CM i— i 

^ 1-1 O H 



CO CO O O O H LO O CO o 
(MrtiOrrti— tCOCMCMCOO 

NOOOrlHONN^N 
HOJNCOiOrHCDCOCOiO 
■^ti CO CO t>- lOiOQCS 



oooooooooooo 

OOOiOOOOOOOOO 

OOCO"^COOOO>0 000 

O iO O ■* « ?1 O O 11 O O iO 

^T^cT'^HO'-^C5Co'"cO I>T i— i CO 
"TH CO i— mO lOO CM rH 

۩= T-H CI r-l 



o 


o 


lO 


o 


CO 


OS 


C5 


»o 


TtH 


CO 






•<!+! 


"* 


CO 


1— 1 


h- 


n 






i-H 


CM 


€&= 


€£= 



oooooooooo 
oooooooooo 

O CO O O O O id iO N o 
OTfOOOOCOOCMO 

CMQiO^WOOOTtiCO 

>o"cTc5 -^tCi-Tof to'io"'^' 

CO CO ^1 CO IOOCDN 

€^ i-i 



. d 

t* 3 

*• o Ti — 

ri^^i co- co-^ tu«- -d 

i; - - Or-.-rp-^d—'d 

cuoJooc-O-.t;-" ^p^r;^ 



^ • 
o 

KH d 

£'« 

CO o 

£d3 











fcJo 
c 

W b* d 

d ^ -d 

o r$ 2 


§ o 3.2* 5 Ah 


r. 



^ r v rv "-^ ~ ,r ■""■ ^ ^ "-p ""2 



«ij 

s 

o 

w 

g A • • • 

< ° d 

g o c>j s 

1 3 . . . o . . . ,|_ » ■ 

3 »■ d o <-< " 'S ^ 

^^d^<j^gd3d s §3.aD 

^ E^ r ; . o£<5 Sh^ I'd 10 

5 - v W 1— _J "' .v O •" i— - ■> 

r ^ — - - ~ . ~ ~ - ^ « 

o 



>* 




% 


• 


< 




Ch 








c=; 




O 


* 


O 




w 




u 


• 


>c 




<J 








p 


* 


CO 




fe 




1— 1 








d 




-t; 


r n 


Lj 




H 


Q 











>— 
^ 


M 






d 


- 


H 


in 




#^ 


K 


v. 


U 






-/ 


'- 








: 


— 1 


O 





{H 

o 
o 

Cd 

«J 

« 
P 
cc 
co 

<j 6 ' : • • 

§ . ^^^^ 

^ 5 ~ b-= J 2- m r/ d ^ 

o - *9 • =- 

g p . » co -g» p >> .- a <u 

~r°— o^T-^> 

- ' I - c . ~ u 

icqpqpqpqsqS ^oCJ 
o 



408 



AGENTS OF INSURANCE COS. [Dec. 31, 



MNN0505QO»-i05»OHinCDOCOO©0'* CO"b- ©b-CO-rtHCOVOGO© 
COCDOOWCOODNlOOTr-K^OCOfNCiCOCONOTCDO^IMO^HOOlO 



COH 05(M(MHNHCOCOOOiOOHCDQlOHN05H 
^© CO CO CM CM CO CO tH CO i— I "*l r-l CM 

o 



t» 00 ^ 




ONOHQiOlMiONiOiOOiOOOfMS^O^OCOOOCOOOa) 
WCMiOCOiOatOOO^iOWOOCi^OOOr- it>>I>CMCM©©©COi— IH 

MMrH05rt<l003NiO l M!MNHLOMOh.CD»OMW(MTONrHiO 
^OONOOCDCOCDiH05Wai0005COONriiONiO'*CJ 



^ 00 tM CO 
CO lO CO 

€^ r : 



COOCOriOlNlO GO r^ !>• 



lO 



co^os o 



lO CO -rfi <M 



OOOOOOOOOOOOiOOOOOOOOOOOOOOOO 
OOOOOOOOOOOOCOOOiOOOOOOOOOOOOO 

OiOOl^-COOOiOOOOCOCOOOt^OOO"+iOOOOiOi-0 00 

iOCOO(MOiiOO!COiOOOiOOOWiOmO(X)OOiOOCO(M(MO 
^CiOW^QiOOOfMOO^OCDClWOOOCMOaiQOCDON 



NNiOCDOJOOOMmiOOOCN^OiCOON^CNWiOOO 
CM CO "*OH lOOOlr I rfl lO CO !>• CO <— i 1—1 05 © 00 

€©»— I i— t <M r- 1 CM CM t— I t-I CM r-l 



tJh CO b- i— i i-H 
■rft CO T*H CM 



. . <x> 

a g 'ft a> * *S o 

to x> a f- fc^ £ ^o > "5 § ® <"(£ S 3^ ® - 1 ort 

H O^C CJO^^ £>J» .- 2 ^ J* ^ cc « yn 3 o c£ g £ O ^ 

"2 fi ' — ' 3 J5 «•> c r" ^- ^ II l- L "' Cq O o t — ' ,— i o <2 ~j*i 't: = a O % m 2 



6 • • ■• •« 

•* -a -^ -"a. :g£^ ^«3 ■ * 'II^qS ' :« 

BpjaSiogc^g^a r • H ^ ;> £ * i3 S .T5 ^ Sc^ « p A . f5 

* *. 9 ° £".* 1 4 j § =3 1 -? ||« o « « i t°J -8 c 1 s - 



1880.] OF OTHER STATES AND COUNTRIES. 409 



l-0C01>30a)C)r-(N»0r-(00NONC0r-ir)i0000(N(Ml0H 

NooNosiouoHooocooco^coowiooocoeicoioco 

HHrtiHi-KNrtH WNlMCO i—I 



CM 

CO 

.—i 
°^ 

1"H 



lO -rH CO 
lO CO CD 



O © CM 

1— I 

1—1 



(MOCCCMCOiOWNiOCONONOCOOOOOCMO'^OO 
©CMCOi— lCMCOTflt^T^O^T^©t^^^l^aOCDTt<LOi— It^HO 

CDffiCOMOSGOOOTHCOCDOlOlONHlOM-^CO^CMOOlC 
N<-»0005C505iOM!NO'^OONCO'*ON'^05'Hr-(CDO 
CO-^CO-^CMCMiOCkOGOCOT— l lO © CO i— I CM © ^ © ^tl CM 00 



CM 



CO 



CO 

1—1 

o 



CM CM CO 
CO i— I © 

t- b- i-h 

CM CD CO 
lO 



OOOOOOO-^OOOOOOOOOOOOOOO 
OOOOOOOCOOOOOOOOOOcpcMOtOOO 

OOOOOCMOOiOOOOiflOCMOOOM^afMCOO 
NONOTH^OQOO»OiM(MNO(MOCO«OCi«0(MC330 
HCOOQNHOJCOlOHCOrfiOWIMWrHlOOOCTCMOOCC) 

© CM CD kO 1>^CM co"o ^CO~CO~cTcO~CD~CD~b^iO~t>rcO~<M~T*rcO £>T 
r-l • i—l tH i— I CO i—I i—I 



CI 



© 
00 

CM, 

ccT 

CD 



d©= 



o o o 

© o © 

© © © 

© lO © 

T^.lO © 

oo'od"^ 

lOiOH 
lO 



ft 



u 

CD 
0Q 

• • • a> 

o bJO 

• • • q 2 • * 5 • TJ ■ S -8- 

a a tj .o o m «s a a 

S S %£ goffl, 1 -g 

o o o o 0,5^ cs hO.S^.-^ ce d S cw o ce^ I: oj 



CD 

a 



o 
a © 

72 CQ 



~ bJO 

a 



58 6,5,3 



d • . 

Ph Ph Ch pc; w Ph 'Jj'Ji cfl oq M vj cocflhHH|5|?|?|?? >n 



52 



a 



£ . . . 

Hi 

I — 

o 

w . . . 

« . . . 
p 

~PJ^O 
^ . b 

, . I— J2 ^H 

V. 

§ ^ < PP 
o 



fcfl 

-1 



>°"d 



410 



AGENTS OF INSURANCE COS. [Dec. 31, 



05COr-ICO'*N(MOTHCO(MMNCOO'^05(M^05'#OHOOOO(MO 
00<HOOJWOONOHt^001(MH001>Ot-iCOrfi(M'^'^HCOip^N 

C00100THC5iOCOOOOO(^|>05r-iCDOOr- liOt-CJ-^OOt^CMCNCMt^ lO 
€©= 00 »— I CO CM i— I r- I 



lOOOCOOQTtllOOONCOOLOM^OlCDCOOCOOlNOOOiOOM 
^CON©ODCO(NHNHOTOCD(MHOOHHTf(r-iCON003(NOW 




oooooooooooooooooiooooooooooo 

OOOOOOOOOOOOOOOOOCOOOOOOOOOOO 

OJOiOOOiOOOOOOOOOTf(»OOOb-OOCOOOO»0 000 
-*• © <N -rri i— lOOOiOOOOOCMOi-rOOOOOOOOOlOOO 
t^ © CO t^ Tti CI iO_qO OOWOiOOCJiOOOOO^OOOCOO °'^ rtl 

tsT^h o~th i>Tco o ©cd~ccT^^i0^^r^cD^co'"?hcr«oarcro5 © CM r-T 

CO i— I rt» CO CO CO i— I lO CO CO CM © ^Ht^i— I 05 CO r- 1 OJ -^ 1> rfl CO CM 
€©^ lO ' i— I t-I 



... . a? „. 

■r sp rs (=i a 

& • • * 12 • b hjOrrt — ■ 'SOP # * " © ' ' * £ Oh Ph ' rt 

|lll|.||.I||^ : 3lll||l|I|-Sl|3lI| 



w 



* o 

.s <# 



ra <n 









o <u 

CD 






o . 

£° 

CD ~ 

^a O 



o 



- o 
d c 



GO 

• a 

• i— i 
GO _ 

ii s. 

-^ CD 



o 



a 



„GO 

bJD ;-, 

a cs 



o 

o 

a 



^■^< 









I 1 »M ' W _Q 



o 

jo 

2 Id 

5^ a g 

Q d 2iJ o 

77 ■4— i £_) '—' 



a 

rT o 



KWK^W3SSfc£fi£fiP5P$" 



7^ w -L> -— w •■^^ 
C3 <V »S £ ,rH ^ 



1880.] OF OTHER STATES AND COUNTRIES. 411 



©COOOCOOO^OOO 
OOOQHWOW*(MO 



CO Tft »0 HHHtNOl 



OS 
GO 

oo 



CMOCOr-iOCMOOCOCM-dii— I C5 O O lO Q 

N (M (M O O OO CO O O CO lO iO CO C 0(M (N 



CO Ci CM 



O 00 H (M W tH "* 



■*OOJH 
O 
CO 



ONOOOICONHODOOD 
COOCONHHrtlCOWO 

CI^COOi^^LOQOO 

t-CO^OJO-lCOt^COrfHt^ 



CM 



rt< 



CO 
OS 



CO 
Of 



ONOlHOlOONOrtClHOOlOOO 

(MOQCOCMOOOOOOCOr- iCOOIOOOO 

CDOCOOWOCONCOONOO)'*0(N(N 
OOCOHiOCO^COlMNHMCMr-lOCOOH 
»— i *ti t— I iQ X> rtl r-( i— I CM CM CM CO^t— I 



oooooooooo 
oooooooooo 


I— 1 


OOOOOOOOOOOOOCOOOO 
OOOOOOOOOOOOOOOOOO 


000«>OOOOiOCM 
O'QOCOO OOCOt^i— t 

NNCiMOCOC^QH 


CO 


OOOOOOOOiOOOOt^COOOO 

N iO (M iO IQ Ol O tO Ol i< O LO lO H O C O 
CS^QOrHCOOiiO^^TtlOlCOCO CO.lO IQ 


T)iCON05GiOrHt>C:CO 
GOCOCMCOCOCOr^GOlOGO 
i— ( rH CO t— t r*1 


CO 


0005rHCOtHCOlOC']OH(MMr-mOC v J»OlM 

'-I'TiHTrQ'tririHOKN CMOrH 


t-I 




CM 



>. 



o ."S 



0) ^ 

S 3 



^ J P" ffl S <«*< 







fl 








tj 




ed 


0^ 


+3 


^3 
< 


be 






- 


o 





fj 


r-~ 


fc 



« ^2 

61 « O U g « 



OS 






^9i 



P * B « § J jr fe § * 



•/. K 



5^j 



u 'T5 ."S sa > fl o — ■/.-—' 

CD -~ P + J^J+J*[ > t > S, 



co co co co X x r- 




412 



AGENTS OF INSURANCE COS. [Dec. 31, 




M>ONCOiOHMrHiO?OrHCOCONUONNC1000ltOiM(M(MQO(MO 

coo(NcootOHiooiHO'-ii-(ioiriror-(Tj<ioioioioiooico^t>io 



OCO(M(MOT(N'*»OH»OCOl005(MHCOiO 



Oi -*^t 



"*< OS 
CM CM 



rH CM 



OHONONHCOONO^HCOONOOOMOCMiOlMNOOM 
NNCDHlOCDTtlOO^COC^COCOTflCONOOOCOlOriaaNOOH 

CDCMOJCONOCOOCMNCMCOSflOiMOOQOHOOaNCOiOiO^OOO 
r-i»Ci-iHC0OONCDi0»OiOiO(M00'-i'O(MN(M(M(>J(N05COCMMCN 
^HCDr- (t— It— l CM CM lO CM i— < CM ^ >— lnO^fiCM r^CM CMrfi CM i— I 



oo^oooooooooooooooooooooooooo 

OO^-HOOOOOOOOOOOOOOOOOOOOOOOOO 

OOCOiOOOOOiOOOCOiOOiOOOOiOOOOCMCOiOOOO 
OOCM^OOOCMt>.OOCOb-CMO>OOOCMOOO»OCOt^OOO 

HCOOCMCOONCOtOCO^HOOOOaOOMMO^WOJOOOOiO 

wnt^cdo'n^o'oo^nm ww io"o"w coMco"o:NC>rco cm" go i>T 

&3-1— I CO rH (NCOlOHr- 1 (M lO r-l ^ lO CN lO CM CO CM r- I 



© Q jS . 

. i — I ... . f_j • ... ^2 . • rrt " Jh • • faJD ... 

|] g riliii1iliiJfli,ill s i?|i 

6 
o 
d & • • • • 

?g« £ .if .*? .»w . g .|§ -a .c .«^ £ 

^ eo „-, • CO -^ S ^ ^ 0c ^ 'S d ce a> cu „., • ^ >» 

^ > ,r w ° » ->2 "S ^ G rt 5 ^ s ^ ^ ^ _r g * ^ «» - c ~2 

■— ' CZ CC ir-l >H *M O S-* " . . O O O -J 3J QJ ■ d J - ) j , ■ . (.-a *■« — ■* eg 



1880.] OF OTHER STATES AND COUNTRIES, 413 



(NCOHOMOCONCOOOOl 

OOtNHOOWOOliH 



i-KMCOCOiOrflCO'^'CO 



OS 



&> 



CD^IOMO^NOOSOOO^N^NNO 
NOKMOiOWCOOOtMOOOSeO^HOOOJ 



lO CO 
CM 



o 

CO 



CO^lOCOCOOSOJCOIXM 
t— I rH tH t-( »— I 



Id CO CO CO t- l N CO tO (M O 
ONiO©rfiiOlO(NHO 

«— icOOOSCM-HCO-rtH-^CD 
lOOHiOiOMi-i^lM 
t-ICOCOCMCMCOCNCO 



GO 
t^ 

CO 

CO^ 

<£ 

CO 



osooi^ocooiocoeoooi'— icococoio 

OOlMCOOOiOOCOQOr- ICOOCO^GM 
OON(NHiONW(MTH05THt>.00(MCOHOO 
CO CM CO O TfCM£^GOT— I^tJiOSCOCO 
W »-l OS CM 



oooooooooo 
oooooooooo 

000*OiOOiOiOOO 
lO CO lO O CM O OS CM O © 

id"to~aTco~co'co~i-rco'"co" 



dps 

OS 

OS 



eo~ 



00 000500000000000 
OOOOOrftOOOOOOOOOOO 

C00b-O0000t0i000000-*ICO>0 

WOiO^OOOOCNfMOOatOWM© 
^MNOOTtiOWTHOOOfOCDCOCOOCO 

os "^To^co co"oTco"'-^or»cr^-ri>rco"<-H co~© CM 

CO CM <— i OS lOnOONHOtOOJ^© 

€©= i— I OS CM 



-73 

03 ffl O 



Ph 



p, E 



HI <« fc W <5 ^ ^ o 



,d 

be 

3 • 
O 

J? 5 a> 5=1 o 

^ 6 ^ o a 3 

Ki^r o _*a . ^ a> 



^a^ rt -s 1° f n 

o> ^ ^ J= ^ ce o o J*> £ o> 0^'C.^_C^ l « 



^ .2 £W . . w 

8 * •": - ~ .£ -= r ; 3 
' - 2 S O A" «- 3 ^"-^ 

j| 5 SP 2 % - ^ « fl bo 

^j:^ o B H5 i^ ^ C O 



< 

a, 

S 

o 

Q 

o o 

Y< ••••••• O 

fc • - _J • ^ :- £ >s 

f- 

g «3 ^ pq pq dq tf) u O < 5 o Q « f«H Peh 




414 



AGENTS OF INSURANCE COS. [Dec. 31, 



^HSb-(M©00»-lCO(Mino^(Mi-l(NOOrX05MTH05(M(MOONOO 
•^NWQOOOJOOtMCQUO^OJiOTJlO^CDCOfMOiOiONOiOOH 




CO if5 (M 00 ^ 
*— i i— I t-I CM I— i 



1^ -* CO CO 
CO r- 1 



^H O 
CM .-H 



CO 



COIOIOCOCOCM©CM 
CM (M i— I i— 1 



I CO »o 

T-^ CO 



aOCOHt»NON»OHOOHOOSN(000(MOCOOOCOiO 
H^cocOrtNOiNOOJWOMOliOtNOOHOJCOHOWOO^NCNC'l 

OUOOOCOH(MCOOmcONOiOCOOHCO(M'*'-iNaCDiO'*OOOiO 

NOOrH^r)<©^0005NN^!MNeONOOa»«D(MCN(MCOCOt 

CO t>- CO tt> 1>- lO CO OJ <— I CO OlOH H(N (N H Q ri O H 

#§= r ■ _r r r r 






o o o o 
o o © o 



©©©t^©©©©©©CD©©©©©©©©© 
©©©00»0©©©©©CO©©©©©©©©© 



lOiOiOOOOONCOO'OOOOHOOMOQOmWiOiO 
(Ml~--CM©iO©'»-<©CO©cM©r-<COCO©©COiO©CMl>.OiCO 
OCOHO'-QdiOtD'HHONOONiONOHCO^riiOtO 



© © © 
© © © 

© © lO 
© © CM 
CM lO CO 



NOOiOrHCOCOCOCOiO'*iOUO(MCOCDCOWl>NTfiOCOOO 
^ t- lO N N CD OHHU5 COOH CM i— < CM »— !r ( i— I lO 
€©= r-i CM l— ( »— i rH 1— I 



CO CO r+t 

»o © 

CM 



03 



^ ° 

T3 ^ CD 

co o 



:p-d 



o3 



-P P 

e3 P ^.2 
O o bo 



P 

O ■ — i T3 
CO •+= CD rr< 
^! Sep ® 
O 



cu 



CD 



cp 



hJO 
* bO&JO"^ co £ 

p p p * p P. 



.T5 



qcc SHE 



iiMjsfJfJIiifp 



3 «* 



bJO 

„. .r-( UJ 

p p> ;- 

_ O CO P-. 



>-s O 



CO H 
bJD CO 

O HH 
CO v 



o 

Q w.s 

«^2 



o co _r.p 



• p 
O g 

co 

a* 

c3 O 

'J co 

- 4) 

P^> 



P 
O 
GO 



'r- 

CD 

rP 
DC 

• t— i 



.2 o 



n O <U 
P^ P ^ 

3 rP o 
PmOO 



-73 Pjj 

O P 

o o 



PQ-p 

^ s 

c3 O 

l-H HM 



• *. 

<<d 



T3 ~ . 

p -go 

g-p-g 



O 

& p 

M F 5 ^ K* 

^ bfl p g 

P C O G 
00 •— CO .P 



p 

o 
w 




6 


CC 


5 


; — j 




CO 




rp 


< 


i — 1 
O 


•r c£ 


c/. 


i — 


<£ 


•-a 


JJ 


T3 


-j-^ 


f>5> 




ce 


r^ 


CO 


o 
o 


cu^ 


d 


C3 


o 
O 


n * sJ D 



p . 
o 

P-P 

^O •!— 
^ P 

>>£ 

co PQ 

CO 

co - 

s ? 



O 

. ^ Ph 

h a) (p 

K=H p CO 

SO 



03 



FpI'p 

P O >5 



1880.] OF OTHER STATES AND COUNTRIES. 415 



OOIOOOOiOtHQCO^hcitHNOMCOiOM 
COO!iONOOt>NM(MHOCOt>'^'*COMO'*Tj< 



CM 



CM CO o 



CM 



1^ 

CO 

00 

05 



o 

CD 
CO 

o 

CO 

of 



OS , 
CO 

CO 
OS 
CO 
<§©= 



OOMLOiOOiaTHOCOOlOONrXO^O^G 
CMiH00C0OJ'OCOO5^ai(MiONC0iO'OiOO5C0iO 

lOr^NNOJNNCOrUCCCMUOaiCMCOCMO'WCM'H 

r-COt»OOOOmCOr^OOOCDMN(MCOCOlO(MN 
(NOH (MOiOuOCCDNiOOOTOlNOI^b-W 

i—l 1—1 r-t CM i—l 




OOOOCOOOOOOOOOOOOO^OO 

oooocooooooooooooocooo 

lO --< lO O M O lO iO Ol CD iO O C O iO O O O OS lO 
NOCOlMCONtMNCONNOOONiOiOOMH 

Cl'OOQ^LONOM^OrHOOaiOONNCS 

co' 0" of ocT aT co" r>^ r-^ "*" t-T co~ of —T 10 -jT 10 oo" -^ cd~ © 

i— H>- CM HCOiOrtHONiOTrlQCOtMatM^COiO 
i— t i— I i— I CM 



•f 

CO QJ 



.g 

G 
o 

G 



* CO 

cG 

o 



CO Jr -G 



--d fl 

j- o 

^ G 

<° 5 



o 

cjo 



G •— i CO ^ 



c3 



a! T? <» — * J* co rG 

CC /— -* O ^ -s 



- fe 



G ^ 



,G O 

or. " 



CO O c3 '£ j3 



S^^swt!^ co £ 55 £ a 



MO 



ce o 



>* 



G i— I 

m<g 

_C co 

co i^ 



e3 

C!5 



pi 

CO 



-G . 

•rH CO 
^G O 



o 
.§...§ 6 . . . 

""■ CO G hh t * 

•» . • co |Jh -i-i ro 

.0-1 S Jfl °° . !2 . 3 • . ' k ~2i-'~ 

. Cfl P< •* ►» fl 2 Eh ~ £ S Ji i 2 8? 9 

O . co x ft E £ a ?5 u ? . =- 

ft* S O 5; ^ o© .g ^ do -G /-> r/ » * •-' — 

,\ •'■ ~ -^.v r - 2 - -jm2 2 S«o*^ 

W'w O „-.-'"■: ->5 ^, /— u'-;-, H fl fl -■» - 

» £ q 53 - rt -J n SffJ « « * «J §^a bo 
TJ _q •« r*- ~ ~ — ^ J .- d: V "5 •- - ^ ^ w .g° G 

^ o -g P o s G o<Hg - o a/ ~ -~ .- ■- .-. S 2 



o 
o . 

w 
o 

D 

|2i 
M 

!h 

H • 
H 



H WO 

< s 

< G 






• G O 

ocq 



o 
o 

a 
o 

« 
co 

»— < 

5 



- 

G w 

OS T 
u; ri 

- 






416 



AGENTS OF INSURANCE COS. [Dec. 31, 



H 


(MCOCOIMOJO^OOSHOO} 
COHOi^NWOr- i CO TF O CM 

CO GO <— < CO ^ -tfl CO OS (MlO(N 
€& COHIO i—( CM rH 
<M 


OS 

co 

CM 
CO 

co 

۩= 




OCMGO-^IOtHCOCMCOIOCO 
05r-(nOC0C0(MCD00^CN 

O t— 1 CM lO rH rH 


•6 

> 

O 
<D 

M 

CO 

a 
a 

u 
Ph 


0050HC5 0iOCOOOO^^ 
CD005CJOTr- l i>iOH(Ma)H 
i— i ^i lO CO t>(M r- (OS i-h OJ © 

^ i-T cf i-T 

t— i 


O 
CM 

O 
CM 
t— 1 

aT 




cDooiooiococowmmo 

G\H(M(MUOQN^CO©W 

UO CD O) (M N O H rH O) (M H 
-rH ICHHCOM^NCO 
«©= H CM 


■a 

(-1 

to 

C 

M 

c 
o 

s 


OOOOOOOOOCOOO 

ooooooooooooo 

'lOOCDQCOOOtMOiOOO 
NOOCOr- < O O lO O >0 O O 
O^COtOrflt^TFCOCOaOCO© 

*o rti o r^f-Tio t^od" i-TaTr--' co" 

--iNN00mr-(HN GO CM "tf 
۩= rH CO^ 

1—1 


CO 
CO 

CO 

ccT 

CM 

cm" 




ooooooooooo 
ooooooooooo 

OfNOOOOMOiOiOO 
O h (M LO lO lO CO O O) Cl o 
CM ii h rf N (M O O CD ^ O 

TjT r* lO i-4 C^ tO CO CO ZD ■<& 
۩= rH CM 


a; 
o 

(h 

0) 

12 " 

"oa 

<u 
M 
-d 
B 

e3 

fi 
# o 
^S 
eS 
o 
o 




' 


O 


































Lynn 

Fitchburg 
South Boston . 
Amherst . 
Hyde Park 
Lowell 
Lowell 
Fall River 
Lowell 




Providence, R. 
North Adams 
Fall River 
Worcester 
Fitchburg 
Boston 
Franklin . 
Pittsfield . 
Lynn 
Taunton . 
Salem 
Nantucket 
New Bedford . 


Salem 
Hyde Park 


CO 

to 

O 
<l 

O 

< 
Ph 

o 

O 

&H 
O 

w 






ft 

Ph 
S 

o 
o 

w 
o 
to 

OS 
P 

CO 

1— ( 

H 
S 

o 

585 
< 
W 
o 








o 








< 








CO 








Equitable Fire and Marine '. 

Alford, Arthur S.* . 
Chace & Shaw . 
Currier, Aug. N. 
Currier, F. C, & Son 
Freeman & Vinton 
Freeman, James M. . 
Howe, Samuel E. 
Johnson, William F. 
Macfarlane, William 
Nichols, Charles S., & Co. 
Swain, Joseph B. 
Tillinghast & Alden . 














Baker, Ezra 
Baker, William 
Bowen, Hosea B. 
Brainard, J. C. . 
Brown & Terry f 
Cardell & CushingJ 
Cardell, E. L., & Co. 
Chace & Shaw . 
Coburn Charles . 
Daniels, George P. , 
Day, Henry A. . 



1880.] OF OTHER STATES AND COUNTRIES. 417 



iCQOWCOONQOiOa^^OOHWCO'* 
WON?DOOH(MO«OiOOO(Nrirt(M 

r- 1 CO CM 00 rfl 
T^ i— 1 rH 


rH 
CM 

r-( 
O 
CM 




OOOSNiO-^COHCOOJCO 
COCM-HCSCOCOGOCOCOrHOS 

i— ( HtNlOrlHCO^HlO 
CM rH rH rH 


OCO(NCD(M050^T)HiflNOOOiOiOCO 
lOHiOOOOl^iOTONMr-iOJNNa 

N^?DrHOM05(Ma)iOiO^OCCDH 

i— ao co ro co o t— i cm i— i cm ^ •— i t— i 
C^CO i— 1 h/i t- 


OS 
GO 

CM 

CO 

o 
o 

3^ 




coooNaoioeococoN 

t~0"OCMCOH-llOCOCOlOCO 

a»CHor;NOJHOHaco 

OOHt>^«OOOC500COu0 05 
O rH CM HN WN 


OOOO'OOOOOOOOiOOOO 

oooo cm ooooooooooo 

ONOOiONOiOiOOOOlOHOOO 
OlMOiONr-ia(MCOCO)rtC6NNO 
OlHOiNOJH^HiOC^HiO'qiCOiO 

r- lOOi- i CM »0 »— i i— I CM CM CM CO O i— ( 
GO O rH CO "H 

CO rl T— ( 


o 

CO 
OS 

co 

GO 

CM 

t- 

CO 

T— 1 




ooooooooooo 
ooooooooooo 

»oooooooocmoo 

0000001>»i0r- aoo 

WOCOHTf ^N(MH©CO 

Q0r-(Oi000i-iC0NH05N 
CO i—i CM i—i i— 1 CO lO C5 







O 

O 

M 

i — i 

g 

O 

o 
iZ] 
































.'■-«-•• 








Lawrence 
Boston 
Worcester 
East Cambridg 
Springfield 
Lynn 
Chelsea . 
Holyoke . 
Brockton 
Boston 
Northampton 
Pittsfield . 
Boston 
East Boston 
Waltham 
Taunton . 


CD * 

S v. 

• r- CO 

o ^o 

p CO 


Conway . 
Amherst . 
New Bedford . 
Worcester 
Fitchburg 
Salem 
Fall River 
Holyoke . 
Springfield 






< 

a, 

o 

O 



>-^ 
K 

g 

-- 








































Edwards. J.. & Co. § . 
Freeman & Vinton || . 
Grant, Charles E. 
Hastings, \Y. B., & Co. 
Holmes. Joseph W. . 
Johnson, William F. Tf 
McCann, J. A.. & Co. 
Munn. -John B. . 
Packard, S. Franklin 
Page, Henry II . 
Pierce, Chauncev H. . 
Richardson, H. W. . 
Steams. George C. 
Townsend, James 
Viles. Daniel F. 
Wood, Benjamin L., jun. 


Abbott, 11 Edward . 
Barton, S. B . & Co. 


Billings. II. \\\ 
Brainard, J. C. . 
rnish, Ivory S. 
Crowell, John F. 

Currier. F. C, & Son 
Fowler & Kendall 
Greene. "William S. . 
Judd, C. C. 
Judd, F. A. 



53 



418 



AGENTS OF INSURANCE COS. [Dec. 31, 



OOSCOCOCOOOHOHlM 

NNOOi-iOOONtHHOO 



CDHHiMtNCOiOMOS 



o 
o 



O O OS 
CO 00 o 



i-H O CO 



Oi CONOCOO^tOCOiO 

rfi CMCOCMiOCOCOCOOJ"^ 

OO OOHNHCOCQiOO 

CO CM CO CM t-I i—i CM CM 



tHhiOOOOOCOiOOOCD 
OOrHCDCOWONOCDH 

WCOOSOO^CONOOJ 
CO t— I rH CO CM r-i kO CO 

OS 



co 
iO 

r-H 



O GO CM 

CHN 

O O tH 
CO -rfH O 
€& iO 00 

of 



O O^OMW^HON 

OS TOCOONNCD^iON 

Ttf lOCOOlMH^iOiOH 

CM t^CMTji»O<M»O'^CO00 

rtl COO CMt-^rirtlOOCO 



ooooooooooo 

lOOOOOOOOOSO 

t^iOOOOOOOt^O 

iO>*030iOOiOiOCOiO 
*3H CO GO CM CO CO »— iCOr- ICO 



CO CO C5 CO GO CM CM CO CO CM 

m © 



<"M 

CO 



o o o 
© © © 

© o o 

© © CM 



1—1 

1-^H 



© GO »C 
i-H rjH GO 



© ©©©©©©©©© 

© ©©©©©©©©© 

© (MOOWHNOMO 

CM (M iO O OO © CO (M 1< O 

GO ^HNr-HOO^CDOS 



CO r^ © 
rtH Tf 00 



t- GO © CO © t>. 

t— I Tti IO IO CO CO 



. . . o 

•S I 

2-2 c* £ g g 

. rS ii» «3 u !>>© ok o ^ 
Ch j£ Eh O M £i t-3 > pq PQ 



H • • • 
n co cd 

O > tpj 

a © 

> , | .P. -^ 

« oa a © 



s 
a 

^ . ., . . . . 

,* .K -p 

2 -M ]£ -£ o _§ 2 d © m 

,P C 03 £ g l" C « r e8 e8 
Oh PQ S fc r-s > < 7$ H r^ 



H 
/; 

R 

>H 

<] 

P* 

o 

Cm 
O 



O 






"4-1 O 






co • "-S ■**' .s © 

^ h-5 ^ *"!<** O -^ 
S a> £.p cd ^® 



.2E 

p CD 

03 ® n 

r-^ CD CD 



O 

o 

w 
o 

P 



o 
O 






CD <j 

P ^T -^ 

<^ -S r^ cd 



M 

w 

Ph 

.J 

w 

<! 

M 

a 

^ ... . A . . 

* i^ .2 • rC/2 

S^aT Q | /§.§ --§> 

££■8 fe-g'a 5.SP8 

es ^ <j5 pq cq W pq pq W PQ 

•-< 



1880.] OF OTHER STATES AND COUNTRIES. 419 

NlOMiO(M»OM'^iOHt>CDW05'-IN©OOCOiOW^?ONCO«OHr-lOO 
H05(N'*00-<tlOO^t>aia'*OON(M05'*OiO'^HOOr-i(M05 00Nl>>OOJ 

COiOOO (M^N05(MWCDNCOCOC005aiNH(M05NTHOOCOiOHiO 
i— (i— I !>. CO CO "«*iCOl>.Tfrl00l>«T-li— I CO(MH(MlOCJr1H'*CO(M 

1-H CO 



(MNCDQOOOOTHaiNOOfMNtMONNtM^^oroOHiCOCOCDOW 
NOHOiOiO(MC005M05a3H?OCOiOTt*OCDQO(MC01>OJNaiCOHiQO 

lOHHHNHHHTJiOWiO^GOOliOOCDHOO^^iOiOO'ONOO 
OMTHOOOJOOCOOOOKOCDi-(GiO'*WHOHCOCOC3iONCO?D(MiOiOt> 
CO»OCOH OHOCO'*'*(MlOlOiOr-lCOM05CONOiCD , *COtOHOO i—l 

(Mi— I 1— t r-l r-l Ol i— I CO (N (M r-T H r- 1 O 



OCOOOOOOOOl— ^05OOOOOOOOC0OOOOOO05OO 
OCOOOOOOOOGOCOi— lOOOOOOOOCOOOOOOOCMOO 

WG0i0 00OC0OO'*HC0lMi0Oi0»0OC0O'OH00OOO>0(M^OO 
NNO)5CO^OOON(MOOCDiOO(MiOaCCONMOOiONONOO 
CD'^'t^TtiOliOGO'— lOiOSOO '-^CO COiON^OlOOW^CDCDiOOJ '~^ r ^ CV| "^ 

© hfhco ^raTofr^ao "*" t^" co~ -^ cd~o aTof aTcTcf ^«* o" t^co"o2~>o 10 t^t- 

l>-Tti00O5 OJHCOOKMOCOiOCOiO WONCOCDOJOOCOWMriiO t— ( 
i— I H (MH^O) i— < i—l tH i— I l>^ 

of 



,d •'. bJO 



_, bo ^ CO rt _rn 

ceo , O_o i — i S r ri-*- 5 p-« ■ — I 

t>, ao J d & "8 S S > <^ £ cp £ S 2 « 3 «^-§ 2> 

eg <d £ S^o-" OrS «.S wz=!-ai> SH^-S -S S-j^^^^^P 



o , o 

l«| g*J g ^^ sll-sl is-S5-E| ijiJUS 8 ri i 



420 



AGENTS OF INSURANCE COS. [Dec. 31, 



05HOHOI>0>t>0»ON<NN 

CDOQ0©00OH^03CDCDC0O 
(MOH CM CM -<*l CO CM i— I 






** 

O 



CM 



05drHC000N00(MOC003CD 
COCOCMCOCMt— iCOOt-lSCMT— I 



COCOCM'^'Mt-ICO^ 



»o 



CC05CO051OCDWO00C5CJOCD 
iCHQOiHNWQOCDMNCOiOCN 

CD©Clin«DH(N(MOCOrt<MO 
05000©OiC0050H(MN'* 
CO O CO CM CM CO r>> ^JH CO CM cm CM CO 



CM 



^ 



O 

OS 



CM 



CO 



COCOCOCMCOCMiOOOCM — I O 
C005t>ThOOOiO)OOCMl>OJ 

C5t^OCOC00005i-HCX)OOTtlOO 
OCOhhhiOhOCOOOHiO 
t— • t— It- I CM CO >0 OS CM O CM 

^ CO rH 



COOOOOOOCOOOOOO 
OOOOOOOCOOOOOO 

OOOCOOOOCOiOiOHOiO 
HOiCHON(MCOiO(NOiON 
CDCONOOOtMO'- ( t-H CO CM CO 



o oooooooooooo 

o oooooooooooo 

CO OOOOiOOOOOiOOO 

rrl OHifJiOQOiONCOCOLOCO 

00 lOiOOOOr^OCDONNWO 



COH^OSCOOIOCOCMQNCOOO 
lO'OTtlHHlOt>OC350J'-l i— I 

€&'r-l T-l CO 



o 

<o^ 



N^000000iOiON(NMC5O 
t-imHHCM^WH CO CM 

۩= ^ CO 



o 

~& d 73 

.d o s- 

?h if o ^3 . 

OrdOcOPHp-Hr^^r^CO^^!^ 



e3 

o 

CO £3 

1^| ' • ' 53 • -^ * * 
, , ~ l , — i .d -d — ' s3 co c2 _ d r£ ^ -^ 

O RJ3 s.4J 3-p m S ^^ 



73 



o 

44 



M co 

r— i W 

co .73 
coco 



2 * 



fe 



C CD 
.rH 

r( M A 

hJO - O 

S co 51 

•s S^ 

CO CO CO 



w 



CO ffi 



O 



d^ 5 

-d rd" 

CO^ 

^ o 

CO £ £ 
CD 

£ S 73 pj j 



55^ 



53 co 
p-> - 

C CO 



. .o 

^^ 

• PS 

d - d « 
§ 3 § 

"§.5 «* 

rC S ,H 

CO ,— i ' — j 

o3 co rd 



fc 

a, 

O 

d • •.••• d 

b . .d -.M-d 1 ^ "a- 

d W cd p3 ^ he j= co H .5 
7H ° ^ffid^ co d"" cOr£ CO 

2 2 §£ §>»* «t|^^t- « 

g^O eS -^ ;=! 73 Zd T£ ? r= 73 5 O 
M^73 ci^TS O O 0=3 tf »2 efi 

p5 



1880.] OF OTHER STATES AND COUNTRIES. 421 



HOJQCDMHO^N'* 
lOWOOCOiMCOiOOrHH 

T-l 1—1 


o 

o 

CO 
CM 
CM 




CO CM 
O O 


rH 

CD 

i-H 
O 
CM 




COMOOaOCD^HOOiOCM 
HO5Q0CMNCOiO<D(MO5N 

WiOOJW lOHCON 
#^CM r*i CM 


CD 
CO 

CO 
CM 

i—l 


^■^G0iO(NHWO5O5O5 

OrtiTl'OOHOiOHMN 
CMCDt*.— ICDCOCMCOCM 


CO 

1— t 

lO 

T— 1 

1— I 

rH 




lO CD 

00 CO 
,— 1 o 
1>- CO 

■hTio* 


CM 

CM 
00 

o 

3 




050JiO^ONiOMCOO>0 

CDCD-H/f-HHlOOOiOOHHt^CO 
lOQQ- I CO CO b- 00 CO tH CO 
CM CM "* i— ( CM i—l CO 

^r-TcM rH 


CO 

OS 

CD 
rH 

CD*" 


OOOOOOOOOO 
OOOOOOOOOO 

©lOiOOOOOOiO© 
ONWOiOiOO'iOW-O 
CMt^O-— i CD CM OS Tt< OI iO 

MHTflOOCOrHlONOW 

CMt^^r- iiOCMCMCMCM 


o 
o 

o 

00 

o 

CO 
rH 




o o 
o o 

iO o 

o o 

rH O 

in © 

OS 1>- 

iO CD 


o 
o 

to 

© 

t-H 

IO 
CO 

°I 

i— 1 




ooooooooooo 
ooooooooooo 

©COGOOOOOiOi— <oo 

OQOiOONOWWOO 
H H CI N O lO !M W H O >-i 

Tt< co'd <?[eo oo o n o^i co 

CM lO lO rH GO i— 1 rji 
6&H?) rH 


O 
O 

O 

o 

1— 1 

co" 
i— < 

m 








Baltimore, Md. 

Boston ...... 

Boston 




-t-> 
































O f-> 

m 


bJO 


Beverly . 
Springfiel 
Melrose . 
Spencer , 
Worcestei 
New Bedf 
MarlboroL 
Waltham 


Boston 

Boston 

Worcestei 

Lowell 

Boston 

Woburn 

Taunton 

Taunton 

Fall Rivei 

Attleboroi 








c 
U 

w 
u 

-: 
M 

■ — i 
as 

M 


d 

Q 


Q 

*-> 

N 


ft 




< 

Cm 
"P. 

o 
U 

( 

Z 

H 

BO 

H 

K 

s 






\ 






















09 
09 

o 

— 

CQ 








Baker & Coolidge 

Baker, Henry N., & Co. . 

Crowell, John F. 

D'Evelyn, John S. 

Ellison, Baker, & Coolidge || 

Hill, Thomas H., & Co. . 

Hinckley, Joseph W. 

Jackson, E. T., & Co. 

Melleo & Wilson 

Read, E. R 


Porter, Samuel . 
Pvnchou, Joseph C. . 
Serrat, W. D. . 
Stone, Emerson 
Tatman, R. James . 
Tillinghast <Sc Alden . 
Whitney, E. C. 
Williams, Daniel W. 
Williams. S. A. 
Williamson, 11. J. & C. C. 



to 



o 



ft 

-1 



to 



422 



AGENTS OF INSURANCE COS. [Dec. 31, 



CM O <M 

-* t- --I 



~rH CM lO 
CO tH 



CM 



CM 

00 



۩= 



t^)-ON--)H'^C\IC0C0t^>O00C0-HrH00C0»O 

05H(?)OS?DO(M{O^NCJ!0.riCOOON 






O CO CO CO GO 
i— I t— < »— I 



MNOOWiONOTONOOM 
COCO 50 01HH CM Tfl 



CO tO O 
CM CM CO 

HOW 
CM CO O 
NHOJ 



CO 
CM 



OS 



CM 

CO 

o 
co~ 



OOCOi— l>OCOOt--COCMCOCOCMCMb-COCM 
ODGHiOCKM^^WOiOCOOHNCOrhi 

OCOffi(MOOi000(M^00M(MO!0'0 

^ i-Tt-T cm" h 



o o o 
o o »o 

o o o 

CO O OS 
CO O Oi 

^H CO tH 
CD i— I !>• 
— I CM 

۩= _T 



O 
iO 

O 

CO 

CM 

lO 
rH 

i— i 
۩= 



O 

o 
o 

icT 

05 



ooooooocoooooooooo 
ooooooooooooooooo 

COOOOOOOCOOOiOOOO>OiOO 
OJiOONOQWHOiONiOiOlOiONO 

t*T © CO" lO* rji" i-T tH go" cm" cm cT-* CO i— I 1>- CO OS 
OTH Tfl'*l^005CM'-HCO»OlOrHl>-CM05 

۩= i-i CM 



Ha 

525 



~ t* 



r-l 



CD 

cd 
■+3 



fe S 03 ** 
> M M OQ 

® t>»t> o 



h 


o 


k 

«< 


o 


Pm 


w " * * 


*5 


O t» 


o 

o 


URAN 

enkin 

VV. 

ke 


w 


CO h-J 03 




» fc c * 




MEN 

chell 
owso 
wyer 






W ra tn c3